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      <image:title>Blog - Spring 2026 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Photo by Kristi Johnson on Unsplash‍ ‍</image:caption>
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      <image:title>Blog - Spring 2026 Sacramento Market Snapshot</image:title>
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      <image:title>Blog - Spring 2026 Sacramento Market Snapshot</image:title>
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      <image:title>Blog - Spring 2026 Sacramento Market Snapshot</image:title>
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      <image:title>Blog - Spring 2026 Sacramento Market Snapshot</image:title>
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      <image:title>Blog - Spring 2026 Sacramento Market Snapshot</image:title>
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      <image:title>Blog - Spring 2026 Sacramento Market Snapshot</image:title>
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      <image:title>Blog - Spring 2026 Sacramento Market Snapshot</image:title>
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      <image:title>Blog - Spring 2026 Sacramento Market Snapshot</image:title>
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    <lastmod>2026-03-17</lastmod>
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      <image:title>Blog - 7 Habits of Highly Effective Sellers - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.prism-re.com/blog/what-you-need-to-know-about-fincens-new-residential-real-estate-reporting-rule</loc>
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    <lastmod>2026-03-17</lastmod>
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      <image:caption>Photo by Scott Graham on Unsplash‍ ‍</image:caption>
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    <loc>https://www.prism-re.com/blog/march-2026-market-report</loc>
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    <lastmod>2026-03-15</lastmod>
    <image:image>
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      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Celebrating Women’s History Month. Photograph by Sean Timberlake</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8a15ae82-bfa2-4f10-a589-0a7b5d115a9d/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dbb245e7-8973-4bfa-96f3-d99c790fd323/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f9187dc5-f8d0-46b1-b1df-86730af45dcb/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/81122f04-2688-4efd-bb75-239605a52b55/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.jpg</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0bad2001-a620-4031-8299-b43004195e2b/Median+Dollar+per+Square+Foot+Value+by+Home+Size.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal Alliance. Year-over-year changes in $/sq.ft. can be affected by other factors besides changes in fair market value. How these values apply to any specific home is unknown with out a comparative market analysis. Data derived from sources deemed reliable but may contain errors and is subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4c7eaea3-6bd8-464f-97a3-058ed3549b62/San+Francisco+Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Not all luxury home sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e69dcc8d-89f5-4b69-b0f7-7a7aed4b3022/Median+House+Sales+Prices%3A+3-Bedroom+%26+4-Bedroom+Homes.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance in the 12 months through 2/28/26. Data from sources deemed reliable but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/72b70ef6-82ba-476a-8adb-c50a42f901ed/Median+House+Dollar+per+Square+Foot+Values.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance in the 12 months through 2/28/26. Data from sources deemed reliable but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9bb920e0-11a4-4cb1-b6b9-f70fc1b1f5e4/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*August figure estimated using data available in early September. Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f84e363c-1dcd-4e9d-a1b5-51082c5415ff/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0f765d28-66fc-4266-a0c7-8e6657dbdbda/%23+of+Listings+on+Market+vs.+Average+Monthly+Sales.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Active/coming-soon listings posted to NorCal Alliance on 2/27/26 and average monthly number of sales in the 12 months through 2/15/26. Months Supply of Inventory = Listing Count/Avg. Monthly Sales. “Condo” includes TICs and co-ops. Not all listings and sales are reported to MLS. Data derived from sources deemed reliable but may contain errors and is subject to revision. Listing and sales counts change constantly. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4662c7dc-1be6-4231-afd0-33be01705344/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7d0e6c82-1590-4ecc-97fc-e1721de1cc73/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data and may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6bca2599-58fc-407b-9eeb-f5acbeea2aa5/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/13bbaf2e-3a4c-4605-a7ce-ae1d68bbd839/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4bc878a7-a49a-412d-9f05-5c6344e76eb7/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/801ef315-e507-4879-8cbb-b0532b343c73/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/41afa5a3-f6d5-4de6-87f6-e047d9091326/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fdc77ec0-3a5e-4c2c-a72f-b8dfb7e19f53/San+Francisco+Population.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>U.S. Census 7/1/24 estimates. Data from sources deemed reliable but may contain errors and subject to revision. Estimates published with significant margins of error and should be considered very approximate. Due to the way Census data is collected &amp; sorted, percentages do not add up to 100%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1697cfe7-4dea-43aa-a84c-0437be53882d/Mortgage+Interest+Rates%2C+August+2022+to+2026+YTD.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Daily Average Rate from Mortgage News Daily. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/123b4b61-c997-40d0-ae45-da583ba022c5/Crude+Oil%2C+Price+per+Barrel.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Per Yahoo! Finance, https://finance.yahoo.com/quote/CL%3DF/history/. Data from sources deemed reliable but may contain errors. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bd28220b-5a50-49eb-a240-817cfd149078/Financial+Markets%2C+2025+%E2%80%93+2026+YTD.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com, https://www.marketwatch.com/investing/index/comp/download-data and https://www.marketwatch.com/investing/index/spx/download-data. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/412c2cef-631b-49ab-9abd-b9a5e0bbc8bf/VIX+Volatility+Index.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*CBOE Volatility Index (VIX), per https://www.cboe.com/tradable_products/vix/vix_historical_data/and/or Yahoo! Finance: https://finance.yahoo.com/quote/%5EVIX/history/. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/38aba548-7f91-4f00-b066-f20947499447/S%26P+500+Cyclically-Adjusted+Price+to+Earnings+%28CAPE%29+Ratio.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Source: Robert Shiller, https://shillerdata.com/. Reading are sometimes subsequently revised. Data from sources deemed reliable but not guaranteed and should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d2c194bb-a213-40f6-b93c-33327317bca7/Economic+Policy+Uncertainty+Index.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Source: 'Measuring Economic Policy Uncertainty' by Scott Baker, Nicholas Bloom and Steven J. Davis, 3-component index, www.PolicyUncertainty.com, https://www.policyuncertainty.com/us_monthly.html. Data from sources deemed reliable, but numbers to be considered approximate and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ffd6c0e9-4ff4-4996-a3e4-1d4e09806517/U.S.+Jobs+Report.JPG</image:loc>
      <image:title>Blog - March 2026 Market Report - Make it stand out</image:title>
      <image:caption>*U.S. Bureau of Labor Statistics, “All employees, thousands, total nonfarm, seasonally adjusted”: https://data.bls.gov/timeseries/CES0000000001&amp;output_view=net_1mth. Last 2 readings are labeled “preliminary” and often substantially revised. Data from sources deemed reliable but may contain errors.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/south-land-park-duplex</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/067f1ef5-b9d2-4038-a237-a45948f3ab9c/IMG_6544.jpeg</image:loc>
      <image:title>Blog - SOLD! South Land Park Duplex - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/why-do-changes-to-the-fed-rate-not-directly-impact-mortgage-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/67618cc2-d527-4fb7-be4b-733e3bdede73/mortgage-bond-rates.jpg</image:loc>
      <image:title>Blog - Why Do Changes to the Fed Rate Not Directly Impact Mortgage Rates? - Make it stand out</image:title>
      <image:caption>Photo by Daniel Lloyd Blunk-Fernández on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/51f16ad1-30b3-40eb-896f-973488814fc2/bond-rates.png</image:loc>
      <image:title>Blog - Why Do Changes to the Fed Rate Not Directly Impact Mortgage Rates? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/five-telltale-signs-its-time-to-sell-your-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/12b65368-e627-4c16-93da-6dcc8f3c391d/5-signs-to-sell-your-home.jpg</image:loc>
      <image:title>Blog - Five Telltale Signs It’s Time to Sell Your Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/february-2026-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6830295c-32a0-446e-aed9-aaba79255d1b/February-2026-market-report.jpg</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Brett Wharton on Unsplash‍ ‍</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ae8f952d-6e46-4408-9152-9f7f6c1fe9df/Slide3.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/83c716bc-6e55-4d04-a2e3-4de8aecc4cd0/Slide4.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets can be prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cb22665a-7511-4944-b362-4cdc7fd343de/Slide5.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*As published by The Economist on 1/27/26, using data from Dealroom. Data from sources deemed reliable but not guaranteed and may contain errors. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8a67ce67-6dd4-4592-a86c-28e345c31b88/Slide6.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/283c9ba3-bb14-4bf4-aa01-ccc3476b6e95/Slide7.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>House sales reported to NorCal MLS Alliance. Data from sources deemed reliable but may contain errors and subject to revision. Appreciation rates can change significantly depending on the exact dates of the calculation. All numbers approximate and percentages rounded. *Per BLS inflation calculator.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/aaa36b33-5deb-48a7-8e10-9578a1ddbcab/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/00881727-9c6b-490b-8a46-b152d3b59d99/Median+Condo+Sales+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Condo sales reported to NorCal MLS Alliance. Data from sources deemed reliable but may contain errors and subject to revision. Appreciation rates can change significantly depending on the exact dates of the calculation. All numbers approximate and percentages rounded. *Per BLS inflation calculator.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/340401ac-24fc-4ae8-9fb9-0b1a049a79b8/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8508e440-3c67-4462-88b9-261873263db5/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ecd167a6-d199-4e34-a2ff-7d5970b106ff/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*August figure estimated using data available in early September. Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a47bea94-2041-4cef-9cc8-a658eae7f7f5/Slide13.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/34de918f-4e97-413b-a0f5-3127e7a672cb/Number+of+HOUSES+for+Sale.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Active and coming-soon house listings posted to NorCal MLS Alliance on 2/1/26. Does not include other property type listings, such as condos, TICs and co-ops. Not all listings are posted to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Listing numbers change constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4ddf9b1c-688e-465a-b062-03bfb4a78b87/Listings+Accepting+Offers+.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/61497def-34e6-4b97-b7e8-44d4c7a0e111/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data and may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6c7d2258-3ef3-43ea-99ab-2705d6480cc4/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/62a39423-b5c1-4c71-908a-87d5e96c1f8e/San+Francisco+Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Not all luxury home sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/95400c06-b803-4164-8e25-3fd75b69b042/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/40c70ac0-4d82-4673-bcb9-b6ade27bd049/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3a40bfd8-347e-4855-b3ca-c180189ccaa8/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e8093405-c559-4475-9f1b-241550d35705/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1332a9c5-31ca-4c68-ba40-b0290a3b482b/Federal+Funds+Interest+Rate+since+1981.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>* Per Federal Reserve Bank of St. Louis and New York; https://fred.stlouisfed.org/series/FEDFUNDS; Last reading per https://www.newyorkfed.org/markets/reference-rates/effr. Other data referenced from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1f328b74-cdab-433e-a331-0c85c82e7800/Economic+Policy+Uncertainty+Index.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Source: 'Measuring Economic Policy Uncertainty' by Scott Baker, Nicholas Bloom and Steven J. Davis, 3-component index, www.PolicyUncertainty.com, https://www.policyuncertainty.com/us_monthly.html. Data from sources deemed reliable, but numbers to be considered approximate and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1a2e5b3f-cf7b-4733-8743-6fa2f5432287/California+Population+Trends+since+2010.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Estimates as of July 1 of each year, published 1/27/26 by U.S. Census. Data from sources deemed reliable but may contain errors. All numbers approximate and may be revised in future estimates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/683ff4f0-b924-4276-84fd-f0371f8dbdb1/California%3A++Components+of+Population+Change.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Estimates published 1/27/26 by U.S. Census. All numbers approximate, may contain errors, and may be revised in future estimates. Census numbers will not total perfectly due to “Population change that cannot be attributed to any specific demographic component.”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7f6961ba-6951-4e83-8019-483797a3ba37/California+2024+Migration+Trends.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Per U.S. Census 1-Year ACS estimates released 1/21/26: Published with significant margins of error. https://www.census.gov/topics/population/migration/guidance/state-to-state-migration-flows.html. State population is also affected by births and deaths, and residents moving abroad. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/66cca2e3-20e0-43e2-9980-fde9945d128d/San+Francisco+Bay+Area+Unemployment+Rates.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Estimates per CA Employment Development Dept. (EDD). Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. EDD often revises estimates in later reports.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/71ecb74b-89e9-43e4-9ff1-c6e34c2cf4db/Federal+Government+Employment.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Per U.S. Bureau of Labor Statistics (BLS), https://data.bls.gov/timeseries/CES9091000001. Seasonally adjusted. Data for last 2 months is preliminary. Data from sources deemed reliable but not guaranteed. All numbers approximate and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/97d0ceff-7a96-45dc-893e-6300a3859073/Bitcoin+Price.JPG</image:loc>
      <image:title>Blog - February 2026 Market Report - Make it stand out</image:title>
      <image:caption>Data per https://www.nasdaq.com/market-activity/cryptocurrency/btc/historical. Data from source deemed reliable but may contain errors and subject to revision. Cryptocurrency values change constantly and all numbers to be considered approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/innovative-financing-for-medical-and-dental-professionals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dc424259-8f8c-4442-9f68-5994d53e3628/medical-professional-loan.jpg</image:loc>
      <image:title>Blog - Special financing for medical and dental professionals - Make it stand out</image:title>
      <image:caption>Photo by Patty Brito on Unsplash‍ ‍</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/2025-in-review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6f265a0f-3c81-4a8a-821a-ae2dce3dadd1/2025-in-review.jpg</image:loc>
      <image:title>Blog - 2025 in Review - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/why-you-should-put-your-real-estate-in-a-trust</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8319e3ca-a4fe-4485-9847-718ec425550a/real-estate-revocable-trust.jpg</image:loc>
      <image:title>Blog - Why You Should Put Your Real Estate in a Trust - Make it stand out</image:title>
      <image:caption>Image: Getty Images</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/january-2026-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3c2dd118-a96f-4502-86d0-e9536ea2aa16/jan-2026-market-report.jpg</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Kellen Riggin on Unsplash‍ ‍</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/becb60ac-b258-4936-8237-7499aec39a7b/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7c07a20c-f3c8-46af-9648-bad1749692a4/San+Francisco+Median+House+Sales+Prices.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Per CA. Association of Realtors annual historical survey for existing single-family dwellings. 2025 price basedon sales reported to NorCal MLS Alliance by early Jan. 2026. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales. Various sources of data may calculate median sales prices slightly differently.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7a9b5bc3-12a6-42e9-a338-4850949299fc/San+Francisco+Year-over-Year+Appreciation+Rates+since+1990.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to MLS: median existing house sales price appreciation rates, per CA Association of Realtors annual historical survey. 2025 an estimate based on sales reported to NorCal MLS Allianceby early Jan. 2026. Percentage changes rounded to nearest full percentage point. All numbers approximate, may contain errors, subject to revision, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e6c67309-6ff5-4ef5-8577-4ec877b7571d/Median+HOUSE+Sales+Prices.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through mid-December 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f7c3e12a-ccde-430e-8654-ee392b74fc7a/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ffc2c745-b88b-4e94-98fa-b16403d1c481/San+Francisco+Median+Condo+Prices.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance by early January 2026. Many new-project condo sales are notreported to MLS. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/35483813-6b72-4b6c-8ccb-92b11de640d1/Year-over-Year+Appreciation+Rates+since+1990.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance, per SFARMLS statistics or Infosparks. All numbers approximate, may contain errors and subject to revision. Does not include new-project condo sales unreported to MLS. Past performance is not a guarantee of future results. How this chart applies to any particular property is unknown without a specific comparative market analysis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c995a8b9-6e69-4191-8b1d-aadbe0e6617f/Median+CONDO+Sales+Prices.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-December 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3adf30b8-0940-411c-a56c-54964b69b84d/San+Francisco+Median+%24%2FSq.Ft.+Values.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Per NorCal MLS Alliance Infosparks calculations, for sales reported to MLS. Median value is that value at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/abfe951e-0dcd-4a66-9432-c3ba6415dd14/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/25b0a5d8-bf40-49b6-9bcf-d30501f4addd/San+Francisco%3A+Annual+New-Listing+Volume.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research, listings posted to site as entered into MLS. Data from sources deemed reliable but may contain errors and subject to revision. Will not include new-project condos not posted to MLS. All numbers approximate and may change due to late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/155567c1-9cd5-44cd-8a09-fed3d746d952/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5565fd5a-3c3d-4722-b6c5-736c5f3b5796/San+Francisco+Annual+Sales+Volume.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached residential home sales reported to NorCal MLS Alliance per Infosparks calculations.Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, with last year’s total estimated based on available data in early January and may change due to late-reported sales. Not all sales are reported to MLS. In San Francisco, many new-project condo sales are not reported.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/58c4097a-057d-4755-b673-7b985727f239/San+Francisco+Annual+Sales+-+%245%2C000%2C000%2B.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached residential home sales reported to NorCal MLS Alliance per Infosparks,plus known off-MLS sales. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, with last year’s total estimated based on available data in early January and may change due to late-reported sales. Not all luxury home sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ae1082a0-6125-4af0-ba3e-0b8afc7ea001/2025+Home+Sales+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*2025 sales reported to NorCal MLS Alliance by late December 2025. Not all sales are reported to MLS, especially many new-project condo sales. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Percentages rounded and may not add up to 100%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8a52becf-c0e6-46fe-8c52-a19094b1e038/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data and may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/177cd8b6-a73f-485a-91f0-79cb527b4357/San+Francisco+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Average cumulative days on market: Sales reported to NorCal MLS Alliance per Infosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change due to late-reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fe46879b-c37b-4756-8537-db4959a13f7b/San+Francisco+%E2%80%93+Overbidding+Asking+Price.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Sales over final list price: All attached and detached residential home sales reported toNorCal MLS Alliance per Infosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change due to late-reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/02a523f2-d6f4-49f2-b0ff-ff76c3511660/San+Francisco%3A+Overbidding+%26+Underbidding.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*The ratio of sales price to the original list price: sales reported to NorCal MLS Alliance perInfosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. Percentages rounded. All numbers approximate and may change due to late-reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/99e1af18-c4be-48e8-95c2-b38d80b1c3f3/Annual+Number+of+Price+Reductions.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research, listings posted to site. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3eebd7b1-a326-42a3-8533-a791c1a01657/Annual+Median+House+Sales+Prices.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to MLS, per the CA Association of Realtors, or NorCal MLS Alliance. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Different data sources sometimes calculate median house sales prices using varying methodologies.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/52f897ea-aea6-492e-817f-8afd3b7a9a35/Mortgage+Interest+Rates+in+2025+%E2%80%93+2026+YTD.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5c89f2ab-f468-42f3-b340-334f83ed6a2d/Financial+Markets%2C+2025+%E2%80%93+2026+YTD.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets can be prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/578e745b-ca62-419b-a17d-0d5c96ac49be/Economic+Policy+Uncertainty+Index.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*Source: 'Measuring Economic Policy Uncertainty' by Scott Baker, Nicholas Bloom and Steven J. Davis, 3-component index, www.PolicyUncertainty.com, https://www.policyuncertainty.com/us_monthly.html. Data from sources deemed reliable, but numbers to be considered approximate and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2c51ce31-f94b-4d14-9872-f4d3ab540a18/San+Francisco+House+Prices.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through mid-December 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6f664fae-89d9-403c-aba2-e4a383e9c40c/Slide4.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through mid-December 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/12d88616-7a61-4e5e-a369-1bbdd4e32b5d/Median+HOUSE+%24%2FSq.Ft.+Values+%E2%80%93+Selected+Neighborhoods*.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through mid-December 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cd59c1a8-b07c-41bf-b7ed-be08d1f6fd2c/San+Francisco+Median+House+Sizes.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through mid-December 2025. Data from sources deemed reliable but may contain errors and subject to revision. Not all sales report square footage. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b8325e60-d411-43c9-bcef-c1c29d8fd616/San+Francisco+Neighborhoods+with+Most+House+Sales.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months house sales reported to NorCal MLS Alliance through mid-December 2025, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/702427c4-48af-4790-9d61-2ad5ffbc577d/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months house sales reported to NorCal MLS Alliance through mid-December 2025, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a43ffb28-7213-43d1-989e-22874fa3cd66/Percentage+of+Listings+Selling+Over+List+Price.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months house sales reported to NorCal MLS Alliance through mid-December 2025, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/72871529-28fe-401c-9574-9a56cd3d79aa/Average+Overbid+%26+Underbid+Percentages.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months house sales reported to NorCal MLS Alliance through mid-December 2025, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/56b9ce63-7438-40f6-9f92-2a5e86bc2352/San+Francisco+Luxury+Home+Market.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months house, condo &amp; co-op sales reported to NorCal MLS Alliance by mid-December 2025. Not all luxury home sales are reported. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. New sales are reported constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/787ce03e-f09c-40fb-aaec-df3314e7ddbf/Annual+Median+HOUSE+Sales+Prices+since+2015.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/94f75f84-d273-41da-9209-bd2bd3b01882/Annual+Median+HOUSE+Sales+Prices+since+2015.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>2025 house sales reported to NorCal MLS Alliance by early January 2026, per Infosparks. Median Sales Price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/303fd250-f559-4a5f-99d6-fc7ae68e6278/Median+CONDO+Sales+Prices.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-December 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales. A few other neighborhoods not listed also had sales of $3 million+.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/563184ae-69f5-4ea8-96c6-e73308bc1e28/Median+CONDO+%24%2FSq.Ft.+Values.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-December 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5a881dda-d6ae-49dd-8acc-d7fe1ec600d8/Median+CONDO+Square+Footage.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-December 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/51d31dc6-6c03-4444-a6ec-c9d258e6fcc9/San+Francisco+Neighborhoods+with+Most+Condo+Sales.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-December 2025. Many new-project condo sales are not reported: These are mostly clustered in the greater South Beach/SoMa/Civic Center region. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and change constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f9e87127-a03a-40e4-b85c-043dfd43a5de/Average+Days+on+Market+to+Acceptance+of+Offer.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-December 2025, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/46e3a3c9-71c6-4668-978f-6ee6f13993df/Percentage+of+Listings+Selling+Over+List+Price.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-December 2025, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/acb09de1-f7d0-4e32-b64c-a72d13113074/Average+Overbid+%26+Underbid+Percentages.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-December 2025, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9e3bb89e-b317-4dab-ae9d-2e784ffe3c15/Annual+Median+2-Bedroom+CONDO+Prices+since+2015.JPG</image:loc>
      <image:title>Blog - January 2026 Market Report - Make it stand out</image:title>
      <image:caption>2025 2BR condo sales reported to NorCal MLS Alliance by early January 2026, per Infosparks. Many new-project condo sales are not reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/things-to-consider-when-hiring-an-interior-designer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c4b23db1-be86-402b-96b6-f37b2359a941/Interior-designer.jpg</image:loc>
      <image:title>Blog - Things to Consider When Hiring an Interior Designer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/inner-mission-view-condo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-02</lastmod>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
    </image:image>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
    </image:image>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
    </image:image>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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      <image:title>Blog - SOLD! Top-floor private view condo in the Inner Mission</image:title>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/december-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d106254b-e1e3-4edc-802e-94e7068e2015/thom-milkovic-UpZTD2DC8SQ-unsplash.jpg</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Thom Milkovic on Unsplash‍ ‍</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/db72b82f-a355-487a-a700-5b4b6ba0a97b/San+Francisco+Home+Sales+Breakdown.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Condo sales include co-ops and TICs. Does not include sales unreported to MLS, including many new-project condo sales. *12 months sales reported to NorCal MLS Alliance through mid-November 2025. Data from sources deemed reliable but may contain errors and subject to revision. Selected major property configurations. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/45655009-9b11-4499-b3ea-9bdd24d4e9d3/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bf161c10-65f4-4ed3-a14e-d0d123719660/San+Francisco+CONDO+Price+Trends+since+2005+Median+2-Bedroom+Condo+Sales+Price%2C+3-Month+Rolling.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5460d50a-0172-43b0-8def-9cba2b9e3625/Slide7.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ff604131-ff09-4da9-a444-dff909b142e8/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5ee938c1-2e04-47c2-99da-f0f46a0675e4/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Listings posted to NorCal MLS Alliance. Data from sources deemed reliable but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6e456c57-f7a5-41f7-9886-5a64d874caa6/Slide11.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/59a2ec64-9e03-41f3-8ca0-0a84c312f050/San+Francisco+Homes+for+Sale.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Active/coming-soon listings posted to NorCal Alliance on 12/2/2025. Cumulative days on market as active listings. “Coming soon” are not yet active listings. Not all properties for sale are listed on MLS. This analysis was performed in good faith with data derived from sources deemed reliable but may contain errors and is subject to revision. Listing counts change constantly. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/894020ac-679b-4326-b43f-84886d83df02/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ca4bd5c9-6f57-4607-b38a-6d659e273d64/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data and may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d383c9e6-105a-4a3b-a22a-91f78d61c4ec/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/498c577b-1b7f-4b66-87f5-3a0eebf2714e/San+Francisco+Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Not all luxury home sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/efa62c65-be19-4409-b505-883e8d87e35c/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/073161a3-527d-4068-9822-7021fc108425/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7af409a2-0117-4998-9907-3557cb2f7c0d/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7d0185bf-de2d-4e69-a7d9-042e7e0d07c6/Mortgage+Interest+Rates+in+2023-2025+YTD.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f489ebc5-c38b-4f01-ba43-c21d572fb1c2/Financial+Markets%2C+2024+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets can be prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9b26144b-4381-4740-8c42-627f889b7f31/VIX+Volatility+Index.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*CBOE Volatility Index (VIX), per https://www.cboe.com/tradable_products/vix/vix_historical_data/and/or Yahoo! Finance: https://finance.yahoo.com/quote/%5EVIX/history/. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/376f6ebb-9700-4b89-b5e4-e3ebc9e2414b/S%26P+500+Cyclically-Adjusted+Price+to+Earnings+%28CAPE%29+Ratio.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Source: Robert Shiller, https://shillerdata.com/. Reading are sometimes subsequently revised. Data from sources deemed reliable but not guaranteed and should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f1ac67ab-7479-4c89-a4db-7de05dfb34fa/Bitcoin+Price.JPG</image:loc>
      <image:title>Blog - December 2025 Market Report - Make it stand out</image:title>
      <image:caption>Data per https://www.nasdaq.com/market-activity/cryptocurrency/btc/historical. Data from source deemed reliable but may contain errors and subject to revision. Cryptocurrency values change constantly and all numbers to be considered approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/where-to-see-holiday-lights-in-sacramento</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2169cfbe-43c9-4ee9-b1ed-daff93efddfd/sac-holiday-lights.jpg</image:loc>
      <image:title>Blog - Where to See Holiday Lights in Sacramento - Make it stand out</image:title>
      <image:caption>A festively decorated house in the Fab 40s. Photo by Sean Timberlakea</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/winter-2025-sacramento-market-snapshot</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/280bc78f-7333-4471-a15f-ada3ae7bb997/sac-winter-2025.jpg</image:loc>
      <image:title>Blog - Winter 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Photo by Leo_Visions on Unsplash‍ ‍</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eec6ca5f-afd8-40a5-9c73-d12bec4c78b0/down-since-2022.jpg</image:loc>
      <image:title>Blog - Winter 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a9f7254a-80b8-43bb-a79b-d4f6f6fd24ae/SAC-REGION-11-1.jpg</image:loc>
      <image:title>Blog - Winter 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/where-to-see-holiday-lights-in-san-francisco</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/02653953-0e07-4689-96c8-16b9a66b0f9e/union-square-christmas-tree.jpg</image:loc>
      <image:title>Blog - Where to See Holiday Lights in San Francisco - Make it stand out</image:title>
      <image:caption>Photo by Chris Martin on Flickr, under Creative Commons license</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/noe-valley</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b4e72853-d86f-4d56-811b-0473d8e62b58/Noe-Valley.jpeg</image:loc>
      <image:title>Blog - Get to Know: Noe Valley</image:title>
      <image:caption>Photo by Travis Monson Photography. Used with permission.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/san-francisco-home-decor-shops</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-19</lastmod>
    <image:image>
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      <image:title>Blog - San Francisco Home Decor Shops - Make it stand out</image:title>
      <image:caption>Books and objets on display at Super Simple. Photo by Trudi Michael.</image:caption>
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      <image:title>Blog - San Francisco Home Decor Shops - Make it stand out</image:title>
      <image:caption>Paxton Gate. Photo by Trudi Michael.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/sold-roomy-noe-valley-tic</loc>
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    <lastmod>2025-12-15</lastmod>
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      <image:title>Blog - SOLD! Roomy Noe Valley TIC</image:title>
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      <image:title>Blog - SOLD! Roomy Noe Valley TIC</image:title>
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      <image:title>Blog - SOLD! Roomy Noe Valley TIC</image:title>
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      <image:title>Blog - SOLD! Roomy Noe Valley TIC</image:title>
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      <image:title>Blog - SOLD! Roomy Noe Valley TIC</image:title>
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      <image:title>Blog - SOLD! Roomy Noe Valley TIC</image:title>
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  <url>
    <loc>https://www.prism-re.com/blog/november-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-09</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dce8aa89-26e9-49ef-bd95-8a444626374a/november-2025-market-report.jpg</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Cedric Letsch on Unsplash‍ ‍</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4b79a0d1-9683-4fdb-8f17-e387f7a8cd2d/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/729123de-0503-40d7-81e6-84a14bcde7f9/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2a893cfe-8c78-439d-8ce3-4e18f6dd0ad4/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d799e8e6-af22-4dad-b681-33f25d5da400/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ec5197a0-a74f-46c3-9cdb-7387e703fcd9/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b0209c1b-ee55-44fb-8bd1-fa66b61cc7fc/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/847850e9-ebe4-4a97-9812-d39ab586f6fd/Pending+Ratio.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/34feb9ab-7a5e-4a72-b376-2728356e34c7/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d79ca5e1-a1d8-48c1-9df3-131118db0b63/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/51711b30-89e3-4d8f-ba6e-44bd14b58755/San+Francisco+Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Not all luxury home sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9164767c-cafe-4c06-bd5c-93061b744b69/Bay+Area+Luxury+Home+Sales+Volume+vs.+S%26P+500+Index.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12-month-rolling average number of monthly luxury home sales for 11 greater Bay Area Counties as reported to NorCal MLS Alliance, per Infosparks. October 2025 numbers estimated using available data. 12-month-rolling sales data may lag short-term changes. Monthly S&amp;P 500 readings an average of daily readings. Analysis may contain errors and subject to revision. A generalized illustration. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/df3f3d79-a47a-4069-b60a-4944c885fdab/Bay+Area+House+Sales%2C+2025+vs.+2023.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Comparing house sales reported to NorCal MLS Alliance through late October of 2023 and 2025 in 10 greater Bay Area Counties. Fixer-uppers excluded. Analysis made in good faith from data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f5eff6c2-ffd7-460d-9869-f717f1542313/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/45eeb37d-b986-4314-91ac-e31dd3e85aed/San+Francisco%3A+Not+Every+Home+Sells.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Expired &amp; withdrawn listings, as reported to the SFAR MLS for houses, condos, TICs, co-ops and townhouses, per Broker Metrics. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/556c0d0d-ec26-41c5-96bd-8b2657a8bd5b/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b78229d1-5ba5-4f88-bc18-0290ac9560d2/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/93cb1a43-3756-4e21-baeb-ba93aeb70214/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f53ec34e-46ce-4aba-8610-1960aa7958ad/Percentage+of+Buyers+Having+Difficulties+Obtaining+Insurance.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Asked of Buyer’s agents: “Did the buyer have difficulties obtaining fire/homeowners insurance?” Data per California Association of Realtors, 2025 Housing Market Survey, Q2 transactions. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers to be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/13870d51-f259-42ee-b1d9-993992b9cc1c/Share+of+Sales+in+Which+Buyers+Paid+All+Cash.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*U.S. home sales in first half of 2025 per Realtor.com Research Report, “Cash Is King: Trends in All-Cash Home Sales,” https://www.realtor.com/research/all-cash-sale-trends-h1-2025/ dated 10/7/25. Percentages rounded. Data deemed reliable but may contain errors and subject to revision. All numbers to be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cfb5fb66-4660-41f3-9d44-a7a34b5121c4/Slide25.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Data per California Association of Realtors, 2025 Housing Market Survey, Q2 transactions. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/800d8adc-01cf-48b9-aa68-a8b0f350195f/Years+of+Homeownership+before+Selling.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Data per California Association of Realtors, 2025 Housing Market Survey, Q2 transactions. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5d0eaa3a-4e44-4628-ac4b-10a2c19e0847/Percentage+of+Homes+Purchased+by+International+Buyers.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Data per California Association of Realtors, 2025 Housing Market Survey, Q2 transactions. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6d7355f1-124f-4d32-adc4-02341c75b785/Mortgage+Interest+Rates+in+2023-2025+YTD.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f0f113aa-2a1b-4778-a7ad-8e1a26f43f31/Bay+Area+Home+Sales+Volume+vs.+30-Year+Mortgage+Interest+Rate.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>12-month-rolling average number of monthly home sales as reported to NorCal MLS Alliance for 11greater Bay Area Counties, per Infosparks. 12-month-rolling sales data may lag short-term changes. Monthly mortgage rates are averages of weekly 30-year fixed, conforming loan rates published by FHLMC. Analysis may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e2509083-148a-4876-8e2a-2832e9116b07/Inflation%3A+Consumer+Price+Index+%28CPI%29%2C+2021+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], per Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/graph/?g=8dGq. Data from U.S. Bureau of Labor Statistics. CPIAUCSL is a price index of a basket of goods and services paid by urban consumers. This index includes roughly 88 percent of the total population. Percentages rounded. Data from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7d8797c5-d5f2-4b72-b312-7b6ad28670db/Federal+Funds+Interest+Rate+since+1981.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Per Federal Reserve Bank of St. Louis and New York; https://fred.stlouisfed.org/series/FEDFUNDS; Last reading per https://www.newyorkfed.org/markets/reference-rates/effr. Other data referenced from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3f513b3f-0351-466c-b61e-364e51816619/Nasdaq+Composite+Index.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per https://fred.stlouisfed.org/series/NASDAQCOM. Because of number of data points, not every week has a separate column. Data from sources deemed reliable but may contain errors and subject to revision. For general illustration purposes only.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/208e2bc7-2899-4465-8c41-d5ca49d27c74/Economic+Policy+Uncertainty+Index.JPG</image:loc>
      <image:title>Blog - November 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Source: 'Measuring Economic Policy Uncertainty' by Scott Baker, Nicholas Bloom and Steven J. Davis, 3-component index, www.PolicyUncertainty.com, https://www.policyuncertainty.com/us_monthly.html. Data from sources deemed reliable, but numbers to be considered approximate and subject to revision.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/condo-vs-tic-vs-co-op</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7e3b1f50-41da-4806-b5d0-54871f0f3a1f/Condo-vs-coop-vs-tic.jpg</image:loc>
      <image:title>Blog - Condo vs. TIC vs. Co-op</image:title>
      <image:caption>Photo by Datingscout on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/san-franciscos-amazing-stairways</loc>
    <changefreq>monthly</changefreq>
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      <image:title>Blog - Get to Know: Buena Vista/Ashbury Heights - Make it stand out</image:title>
      <image:caption>Image by k!ng on Flickr via Creative Commons license.</image:caption>
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    <loc>https://www.prism-re.com/blog/where-to-trick-or-treat-in-san-francisco-in-2025</loc>
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    <lastmod>2025-10-09</lastmod>
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      <image:title>Blog -  Where to Trick-or-Treat in San Francisco in 2025 - Make it stand out</image:title>
      <image:caption>Image generated by ChatGPT</image:caption>
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    <loc>https://www.prism-re.com/blog/october-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/80347d3b-d87f-4b94-9dfc-06ffa167bbfa/october-2025-market-report.jpg</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Sasha • Make Stories Studio on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/176baea4-8578-440d-83d4-f78df8b3ed87/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics or Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cfaecbdd-d330-43f2-b121-b9147750fc1a/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ebadaa00-db34-420a-9a1d-153452756d80/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/37643f6c-0f43-4abd-821f-3d92a5197c3f/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9817ebdf-9589-472a-8a9c-ef8d476fba26/San+Francisco+Home+Sales%2C+2023-2025.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached home sales reported to NorCal MLS Alliance through September of each year, per Infosparks. Not all sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/89d4fc82-b2b1-4f0e-8d26-18220eecefc3/Median+Resident+Income.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>2024 inflation adjusted estimates. These analyses were performed in good faith with data derived from sources deemed reliable, but may contain errors and are subject to revision. Published with margins of error. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/838986a9-a294-4f0c-94db-8fa3157b491c/San+Francisco+Demographic+Snapshot.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>* U.S. Census 2024 ACS 1-Year Estimates, published September 2025. Residents 25+ years of age.Income estimates pertain to residents with earnings,. Data from sources deemed reliable, but may contain errors and subject to revision. Estimates often published with significant margins of error.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/244e9bd2-419f-46f3-b0f5-163ccfd12edc/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*August figure estimated using data available in early September. Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0439f681-8416-4f31-acc7-040e4b439741/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/19b14ab9-02df-45e8-bf70-1a88796f0d49/Year-over-Year+%25+Change+in+Number+of+Active+Listings+on+Market.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Active/coming-soon listings posted to NorCal MLS Alliance on October 1st 2025 and 2024. Percentages rounded. Data from sources deemed reliable, but may contain errors and subject to revision. Not all homes for sale are posted to MLS. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/90eb7999-36c3-4267-9770-1d96870ebfa9/Pending+Ratio.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*August figure estimated using data available in early September. Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3336ecd1-14d7-41f6-ab3f-cd371aaaca57/Listings+Accepting+Offers+%28Going+into+Contract%29.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/45d5ba3f-284e-4f40-a763-359a7b9597a8/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0b5d20cb-d0ef-4522-a25c-bc13cdc77145/Year-over-Year+%25+Change+in+Monthly+Number+of+Home+Sales+.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Estimates based on data available on 10/3/25. Percentages rounded. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/258a301d-743f-44a3-9bf3-dbb3131e87e8/San+Francisco+Luxury+Home+Sales+by+Quarter.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. “Condo/Co-op” sales include TICs and townhouses. Not all luxury home sales are reported. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6850173d-449e-4fbf-8f57-e3a7b8da7953/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/39fe3360-f0ac-4726-a1ed-1547a55cb265/Percentage+of+Sales+Over+List+Price.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fa6609d6-2740-4e56-b0dd-218a09cc1f69/Avg.+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded, all numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0f878734-35a2-4c1b-899f-ec4590a11548/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Time to acceptance of offer for sold listings. Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/018d2dd0-4c14-4c36-9faf-424dec695d6e/Median+House+Sales+Prices+%26+Year-over-Year+%25+Change.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance in 2025 by September 30, 2025, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0a2197ce-426f-4226-83f5-45af318ed693/Median+House+Dollar+per+Square+Foot+Value.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance in 2025 by September 30, 2025, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8a7eebb7-b519-45b3-909c-e17dbf010ca1/Median+2-Bedroom+Condo+Sales+Prices.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance in 2025 by September 30, 2025, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f9958333-1d14-4873-9a71-9646ad9c6ae2/Mortgage+Interest+Rates+in+2023-2025+YTD.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/81bd1022-b1ce-4fdb-94c9-8c5ecc512be1/Federal+Funds+Interest+Rate+since+1981.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Per Federal Reserve Bank of St. Louis and New York; https://fred.stlouisfed.org/series/FEDFUNDS; Last reading per https://www.newyorkfed.org/markets/reference-rates/effr. Other data referenced from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/878fbae7-a2aa-41a6-87d5-7c8a292e5e23/Nasdaq+Composite+Index.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per https://fred.stlouisfed.org/series/NASDAQCOM. Because of number of data points, not every week has a separate column. Data from sources deemed reliable but may contain errors and subject to revision. For general illustration purposes only.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/89d5e41d-e532-4b44-a6b9-96e8a7a591ac/Inflation%3A+Consumer+Price+Index+%28CPI%29%2C+2021+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], per Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/graph/?g=8dGq. Data from U.S. Bureau of Labor Statistics. CPIAUCSL is a price index of a basket of goods and services paid by urban consumers. This index includes roughly 88 percent of the total population. Data from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/38115ed0-b1ff-45da-b233-2c0a3c6dd7e4/Economic+Policy+Uncertainty+Index.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Source: 'Measuring Economic Policy Uncertainty' by Scott Baker, Nicholas Bloom and Steven J. Davis, 3-component index, www.PolicyUncertainty.com, https://www.policyuncertainty.com/us_monthly.html. Data from sources deemed reliable, but numbers to be considered approximate and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e2bb7564-2241-44b6-8034-7507e138d1c3/U.S.+Jobs+Report.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>*U.S. Bureau of Labor Statistics, “All employees, thousands, total nonfarm, seasonally adjusted”: https://data.bls.gov/timeseries/CES0000000001&amp;output_view=net_1mth. Last 2 readings are labeled “preliminary” and often substantially revised. Data from sources deemed reliable but may contain errors.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4c12ca9f-6a76-4744-9d6a-bb0591245885/Bay+Area+Population.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per U.S. Census 2024 1-Year ACS estimates published September 2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9b0e9556-16b9-4ece-8afb-9e81a2abd710/Bay+Area+County+Sizes.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per U.S. Census data</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/00689325-3a7c-4305-98dc-1ee6e7c50ff4/Bay+Area+Population+Density.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per 2024 1-year ACS estimates from the U.S. Census, published 09/2025. These analyses were performed in good faith with data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximations.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3d839f96-8951-40de-bc95-3bf219d31e06/Owner+%26+Tenant+Occupancy.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Percentage of occupied housing units occupied by owners or tenants. Data derived from sources deemed reliable, but may contain errors and are subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ed9fa834-bb49-40bb-bf02-4c4237e68015/Median+Age+of+Residents.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>Derived from sources deemed reliable, but may contain errors and are subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1e1322d2-3581-4cd1-b3a8-2efe10577dfb/Foreign-Born+Residents.JPG</image:loc>
      <image:title>Blog - October 2025 Market Report - Make it stand out</image:title>
      <image:caption>These analyses were performed in good faith with data derived from sources deemed reliable, but may contain errors and are subject to revision. Published with margins of error. All numbers approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/get-ready-to-winterize-your-garden</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5132d571-471d-4b25-82d9-3338c6a6afbe/garden-winterizing.jpg</image:loc>
      <image:title>Blog - Get Ready to Winterize Your Garden - Make it stand out</image:title>
      <image:caption>Photo by Laura Roberts on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/easy-diy-ghost-decorations-for-halloween</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/87f79f9e-8e89-4ee7-a10b-c636dd071666/DIY-ghost-decoration-halloween_thumb.jpg</image:loc>
      <image:title>Blog - Easy DIY Ghost Decorations for Halloween - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/haunted-house</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e9a573f4-82d8-4dbd-af4c-9a21687eecad/Victorian-widows-walk.jpg</image:loc>
      <image:title>Blog - That's the Spirit: Selling Your Haunted House</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/realtor-districts-vs-supervisor-districts-vs-neighborhoods</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/52e07eaa-852c-42b8-896f-ad0f07049cdd/Noe-Valley_1.jpg</image:loc>
      <image:title>Blog - Realtor Districts vs. Supervisor Districts vs. Neighborhoods - Make it stand out</image:title>
      <image:caption>Photo ©Travis Monson (@travismonsonphotography on Instagram, travismonsonphotography.com). Used with permission.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/2017/10/14/thoughts-disaster-preparedness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a1c09a1a-9e64-4ab7-8bbe-49901e92177b/disaster-preparedness.jpg</image:loc>
      <image:title>Blog - Disaster Preparedness Tips - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/september-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e86071ac-e149-462c-a906-1dbb8ad5d176/September-2025-market-report.jpg</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Anthony Sebbo on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/974458ab-80ee-4aaf-962f-a62a4e3f2d58/Mortgage+Interest+Rates+in+2023-2025+YTD.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/39a8ff3d-5c1b-4575-be90-2532fc97e108/Financial+Markets%2C+2024+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets have been prone to significant volatility.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3ef43a78-8926-473b-9bfc-5b84b0a29456/Economic+Policy+Uncertainty+Index.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Source: 'Measuring Economic Policy Uncertainty' by Scott Baker, Nicholas Bloom and Steven J. Davis, 3-component index, www.PolicyUncertainty.com, https://www.policyuncertainty.com/us_monthly.html. Data from sources deemed reliable, but numbers to be considered approximate and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/44b6e318-c99e-4c90-8602-3e7e5e916834/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3baa52bc-f074-4aff-a1f4-3e817e4a8aff/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e0a6ffdb-3299-47c7-996b-1d7eb55c7996/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8fdbdd5b-a320-425e-a612-127e212eac2c/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/79083c1c-47dd-4d18-9d89-06cb49da3de1/Median+HOUSE+Sales+Prices+%E2%80%93+Selected+Neighborhoods.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through mid-August 2025. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ffe95355-a4d5-4a27-91cb-73576e65db61/Median+CONDO+Sales+Prices+%E2%80%93+Selected+Neighborhoods.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-August 2025. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales. A few other neighborhoods not listed also had sales of $3 million+.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0807ffc9-02f4-4d5d-a861-aa95b25ec063/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>*August figure estimated using data available in early September. Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/644ac02a-6165-45c6-a706-474ed7353ba9/Pending+Ratio.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>*August figure estimated using data available in early September. Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1ead268c-d906-4ba3-9a11-74863430fdc1/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/44869611-f898-4eb0-b205-5fbd12a3ed89/%23+of+Listings+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Active/coming-soon listings posted to NorCal Alliance on 9/5/2025. Not all properties for sale are listed on MLS, including many new-project condos for sale. Data derived from sources deemed reliable, but may contain errors and is subject to revision. Listing counts change constantly. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9d03fa37-2104-44a0-b75a-3a0bed6a281b/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6b23b0a8-2bfe-449b-a6b3-0c5ec879fbb7/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3f8e09c8-0dc1-4df7-b5d7-39ac6e9fc4ab/San+Francisco+Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. “Condo/Co-op” sales include TICs and townhouses. Not all luxury home sales are reported. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2c294448-0894-4651-a60e-6bae4becc17b/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. “Condo/Co-op” sales include TICs and townhouses. Not all luxury home sales are reported. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a3a76366-4783-42c4-b823-b917bc63e2b0/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b5147455-43ee-4475-9f96-18912049b7e2/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/96964ac7-a920-48c1-a96e-69fc06dfac32/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b1f75daa-a195-4bc2-8a0a-476b0d46209f/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - September 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.prism-re.com/blog/mixing-the-old-and-the-new-in-home-decor</loc>
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    <lastmod>2025-09-08</lastmod>
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      <image:title>Blog - Mixing the Old and the New in Home Decor - Make it stand out</image:title>
      <image:caption>Image courtesy Wheeler Design Group</image:caption>
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    <loc>https://www.prism-re.com/blog/sacramento-hosts-the-ultimate-food-festival-terra-madre-americas</loc>
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      <image:title>Blog - Sacramento Hosts the Ultimate Food Festival, Terra Madre Americas - Make it stand out</image:title>
      <image:caption>Image by Francisco Chavira, courtesy of Visit Sacramento</image:caption>
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    <loc>https://www.prism-re.com/blog/autumn-2025-sacramento-market-snapshot</loc>
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    <lastmod>2025-09-07</lastmod>
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      <image:title>Blog - Autumn 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Photo by Leo_Visions on Unsplash</image:caption>
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      <image:title>Blog - Autumn 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Autumn 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Autumn 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.prism-re.com/blog/get-to-know-inner-mission</loc>
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    <lastmod>2025-09-08</lastmod>
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      <image:title>Blog - Get to Know: Inner Mission - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.prism-re.com/blog/why-now-is-a-good-time-to-buy-a-condo</loc>
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    <lastmod>2025-09-04</lastmod>
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      <image:title>Blog - Why Now Is a Good Time to Buy a Condo - Make it stand out</image:title>
      <image:caption>Photo by Jakub Żerdzicki on Unsplash</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/summer-home-maintenance-tips</loc>
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    <lastmod>2025-08-13</lastmod>
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      <image:title>Blog - Summer Home Maintenance Tips - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.prism-re.com/blog/how-accurate-are-zillow-zestimates</loc>
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    <lastmod>2025-08-13</lastmod>
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      <image:caption>Photo by Afif Ramdhasuma on Unsplash</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/pros-and-cons-of-using-ai-in-real-estate</loc>
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    <lastmod>2025-08-13</lastmod>
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      <image:title>Blog - AI and Your Real Estate Agent: Better Together - Make it stand out</image:title>
      <image:caption>Photo by Google DeepMind on Unsplash</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/get-to-know-mission-terrace</loc>
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    <lastmod>2025-08-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5c618293-9a16-4211-b0c8-05b6cd7d2b5d/Mission-Terrace.jpg</image:loc>
      <image:title>Blog - Get to Know: Mission Terrace - Make it stand out</image:title>
      <image:caption>Looking across Niagara Street. Image by Eric Heath on Flickr.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cbf20b5a-269a-4e9f-a408-631785573023/original-mt-ad.jpeg</image:loc>
      <image:title>Blog - Get to Know: Mission Terrace - Make it stand out</image:title>
      <image:caption>Click for the full brochure</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/august-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e0a23262-c4c7-4906-91ab-fd47ee37735e/august-2025-market-report.jpg</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7cf79736-7232-47f8-ace3-124537b54d52/Mortgage+Interest+Rates+since+Early+2023.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per https://www.mortgagenewsdaily.com/: “Rate offerings vary—sometimes substantially—from lender to lender... The index is expressed as an average.” Daily rates can change quickly. Data from sources deemed reliable, but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/91cacd84-856a-4fdc-88b9-a57078819bda/Financial+Markets%2C+2024+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets have been prone to significant volatility.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/93e14fbe-617c-4d27-b79c-3eb811d0137a/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/36ac88e3-5c53-4a48-b0cb-5061ade0f70c/July+2025+Median+House+Sales+Prices+%26+Appreciation+Rates+.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month-rolling sales reported to NorCal MLS Alliance by August 5, 2025, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and late-reported sales may change prices and appreciation rates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f0515295-da17-4d08-be01-22a40a2baf22/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/90a5810e-37d1-4c6e-870d-c06c4c8f88ff/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2a6cc3e6-546a-48f9-877d-59635814e351/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8719f9d7-7b41-4f8c-92ff-80d3219495ea/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. Not all listings are posted. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/558b7a7b-a10e-4186-9927-a04615c21c7c/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6544e9ff-5b2e-4a7c-bc88-4cddebc45f37/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9e821773-5c22-43ff-b682-cb7235dc7a59/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a3f5adf1-1c23-4521-929d-9b95d3882664/San+Francisco+Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. “Condo/Co-op” sales include TICs and townhouses. Not all luxury home sales are reported. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4852b1d2-cf3e-4cac-9378-475aa0298b90/San+Francisco+Luxury+HOUSE+Market.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12 months house sales reported to NorCal MLS Alliance by late July 2025. Not all luxury home sales are reported. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. New sales are reported constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/902c5235-f113-48cd-8069-0f954f66c6e7/San+Francisco+Luxury+CONDO%2C+CO-OP+%26+TIC+Market.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance by late July 2025. Not all luxury home sales are reported. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/417d5d3c-4a31-4fb5-8c99-896ae65ec521/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6992f75d-bb1d-4f36-90d8-6be661f86dd7/Percentage+of+Listings+Reducing+Price+within+Month.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, https://www.realtor.com/research/data/ - residential listings posted to site. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/79a7beb1-9a1b-425d-aa20-e4f22ac33874/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a54baea0-1bc2-40a4-9e33-00b4f21371c6/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7c0353f3-0e78-41e0-9e23-4e9f5569cf25/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6733cb02-6877-48fb-a76b-c30d907494ef/1st+Half%2C+Dollar-Volume+Home+Sales+since+2015.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>*11 Bay Area counties, Napa to Monterey, as reported to NorCal Regional MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate and rounded. An estimated 10% -12% of sales are not reported to MLS and not reflected in this analysis. Counties sometimes saw differing trends.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e0e9326b-758a-4df5-9d57-96f32517607b/San+Francisco+Population+by+Age+Segment.JPG</image:loc>
      <image:title>Blog - August 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per U.S. Census estimates published 6/23/25: population as of July 1st of each year: https://www.census.gov/data/datasets/time-series/demo/popest/2020s-counties-detail.html. Percentages rounded, and numbers approximate. Data from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
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    <loc>https://www.prism-re.com/blog/darling-mission-terrace-bungalow</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-07-25</lastmod>
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      <image:title>Blog - SOLD! Darling Mission Terrace Bungalow</image:title>
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      <image:title>Blog - SOLD! Darling Mission Terrace Bungalow</image:title>
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      <image:title>Blog - SOLD! Darling Mission Terrace Bungalow</image:title>
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      <image:title>Blog - SOLD! Darling Mission Terrace Bungalow</image:title>
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      <image:title>Blog - SOLD! Darling Mission Terrace Bungalow</image:title>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5a50dbe2-92ea-4d0a-9a3a-7de264158308/july-2025-market-report.jpg</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f6cb24e3-2a78-4d37-bb4b-f16869184957/Economic+Policy+Uncertainty+Index.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Source: 'Measuring Economic Policy Uncertainty' by Scott Baker, Nicholas Bloom and Steven J. Davis, 3-component index, www.PolicyUncertainty.com, https://www.policyuncertainty.com/us_monthly.html. Data from sources deemed reliable, but numbers to be considered approximate and subject to revision.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3c205d37-60e6-45b7-a86e-6094e35bc800/Mortgage+Interest+Rates+in+2023-2025+YTD.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
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    <image:image>
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      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/23ff864d-8ca5-4672-a3f6-38bca9db8d3b/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics or Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6145f649-1aaa-4ea6-9e11-f8fae0335e12/1st+Half+Median+HOUSE+Sales+Prices.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales in January through June of each year, by Realtor district, as reported to NorCal MLS Alliance by 7/3/25. Median sales prices may be affected by and fluctuate due to other factors besides changes in fair market. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ea66799c-37b2-4f1b-8e83-7ee55de8e379/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c4c24b4d-55a2-40c8-a1c7-5c20706c6b2f/1st+Half+Median+2-Bedroom+CONDO+Sales+Prices.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>*2-bedroom condo sales in January through June of each year, by Realtor district, as reported to NorCal MLS Alliance by 7/3/25. Median sales prices may be affected by and fluctuate due to other factors besides changes in fair market. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d78f3ce9-c692-4b95-a178-a9de711d4b5b/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2ab32c72-fbc2-427c-95fc-7b364b61abb0/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. Not all listings are posted. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1b34e75d-59ad-4412-91c8-b64313463231/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bcba523d-735f-4382-aeb2-90feb0734169/Listings+Accepting+Offers+%28Going+into+Contract%29+.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c390943d-a681-4262-82b0-9a8e938667a1/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c3504f34-55dd-4a40-a00a-dbd9bee6868d/San+Francisco%3A++Number+of+Home+Sales.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12-month-rolling attached &amp; detached home sales reported to NorCal MLS Alliance, per Infosparks. Does not include multi-family sales, or sales not reported to MLS, such as many new-project condo sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f5fd9c24-1a24-40fb-ab83-07e9a5180ea0/San+Francisco+Luxury+Home+Sales+by+Quarter.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. “Condo/Co-op” sales include TICs and townhouses. Not all luxury home sales are reported. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2f217822-d197-480a-8650-90e938cedc63/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/518cc427-42ec-4fe8-a939-471971402f74/Percentage+of+Sales+Over+List+Price.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7062e3bd-3d5c-4419-9610-9beae170f869/Avg.+Sales+Price+to+Original+List+Price+Percentage+.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded, all numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1c81cd9a-d421-4448-bf8b-01de6c60161e/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>Time to acceptance of offer for sold listings. Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/11baa580-547b-4044-9bd5-f4fee61d0cf1/San+Francisco+Employment+Trends.JPG</image:loc>
      <image:title>Blog - July 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per California Employment Development Dept. (EDD) . Last month’s data is labeled “preliminary” by EDD. EDD often goes back to revise past data releases. Data from sources deemed reliable but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sacramentos-international-coffee-scene</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2b293a61-ed38-4a84-8450-66462a553f3c/sacramento-international-coffee.jpg</image:loc>
      <image:title>Blog - Sacramento’s International Coffee Scene - Make it stand out</image:title>
      <image:caption>An Experience Pot and Love Cake at Qisa Coffee</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/summer-2025-sacramento-market-snapshot</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f520947f-0a5d-47fd-9e84-9ef6a9a8516a/sacramento-summer-2025.jpg</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Photo by Michael Kahn on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4a6b9077-ee82-4fb3-81d0-83b5376e00fa/SAC-COUNTY-APRIL-TO-MAY-1.png</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ec30c097-4cd8-44b0-a740-d0a0a7141167/OLP-5.png</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/39dbc9c1-60ee-44a7-a9f7-7a438a06c5c2/SAC-COUNTY-YOY-MAY-2025.png</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3ef13aa2-4973-473a-80d4-914a9709b241/OLP-6-1.png</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e9365be5-b8ef-42d4-a6a6-2379fc17387f/median+home+price.jpg</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9b1a5020-b85b-493a-b27d-01191f42ca10/median+condo+sales+price.jpg</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/09dcfb85-5443-42a3-8e07-dd0ed4053428/home+sales.jpg</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/670027e7-64f5-47ef-8bd1-b8dfbe1a4cdb/condo+sales.jpg</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5fc721c5-2b71-4752-991d-f415bcb764cf/all+listing+types.jpg</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/333e4c97-8d72-4f15-963e-2057e3e1428f/percentage+of+home+sold.jpg</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/11ae6e8d-e0c1-4860-af7b-1ee212e8d6f5/peding+sales.jpg</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8cff6ca4-be88-42f4-a781-b0063da4af11/average+dom.jpg</image:loc>
      <image:title>Blog - Summer 2025 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/get-to-know-hayes-valley</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5837e6aa-ecf3-44bf-a981-71d081f8c9a2/Hayes-Valley.jpg</image:loc>
      <image:title>Blog - Get to Know: Hayes Valley - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/june-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b71bcbd2-5a12-42db-a8ab-ab4923d248a6/June-2025-market-report.jpg</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Leighann Blackwood on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ecf369be-98ad-4321-a935-803db2c750ed/Financial+Markets%2C+2024+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets have been prone to significant volatility.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/124935c5-9225-4201-99f4-547648d70a0f/Mortgage+Interest+Rates+in+2023-2025+YTD.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/768e3ebe-80e9-4345-b3d4-fd5499111508/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d259a4f8-2c5e-4936-b16b-5137d7e87987/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cd67dda0-6ce4-4285-8ef5-81a7dbc80773/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/da55d863-7dd8-4634-809b-68c404e52aa7/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.jpg</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3811d2c4-74f1-4044-b072-7f1af4d5a8fb/2025+YTD+Home+Sales+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*2025 sales reported to NorCal MLS Alliance by 5/27/25. Not all sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. New sales are reported constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9e300ff8-9a59-4095-a600-a8f68923d02d/Months-Supply-of-Inventory+%28MSI%29%2C+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Calculated using the number of active/coming soon listings posted to NorCal MLS Alliance on 6/1/25 vs. the last 12 months’ rate of sales. Not all listings and sales are posted to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. How this analysis applies to any particular property is unknown.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5f8d80d9-ff64-45c0-a425-66a080af1e94/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/94f3bd3e-503e-4806-97d7-5d7f526bce9d/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/86941fa4-c513-4fea-ac8c-5207f953d46a/Listings+Accepting+Offers+%28Going+into+Contract%29+.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/27b972bc-5b3e-48f8-b525-b49aef3ecf49/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1e284795-ff3a-405e-af61-8b6164bb7209/Luxury+Home+Sales%2C+%245+Million%2B.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, co-ops, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/16104649-c3a3-4e05-aaaf-2e5f7590cf3c/San+Francisco+Luxury+HOUSE+Sales.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/46661274-a407-44ce-bae8-69a0e10ac756/San+Francisco+Luxury+CONDO+%26+CO-OP+Sales.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of condos, co-ops, townhouses &amp; TICs reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f80b5089-851d-48b6-861a-28e5d9cb4545/%245+Million%2B+Home+Listings+%26+Sales%2C+by+Bay+Area+County.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*As reported to NorCal MLS Alliance. Active/Coming Soon Homes 6/1/25; 12 months sales through late May 2025. Not all luxury home listings or sales are posted to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and change constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/03985c1f-44ac-421c-b5b6-ba441213aa77/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b6b4c17e-6b0f-4d66-b249-44e34c1bf091/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/713603bf-a224-46c3-97d4-f380e6ea3774/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1b3d2bb7-d648-470c-9fbd-e65e0a32dde7/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Source: 'Measuring Economic Policy Uncertainty' by Scott Baker, Nicholas Bloom and Steven J. Davis, 3-component index, www.PolicyUncertainty.com, https://www.policyuncertainty.com/us_monthly.html. Data from sources deemed reliable, but numbers to be considered approximate and subject to revision.</image:caption>
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      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], per Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/graph/?g=8dGq. Data from U.S. Bureau of Labor Statistics. CPIAUCSL is a price index of a basket of goods and services paid by urban consumers. This index includes roughly 88 percent of the total population. Data from sources deemed reliable but may contain errors and subject to revision.</image:caption>
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      <image:title>Blog - June 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Per Federal Reserve Bank of St. Louis and New York; https://fred.stlouisfed.org/series/FEDFUNDS; Last reading per https://www.newyorkfed.org/markets/reference-rates/effr. Other data referenced from sources deemed reliable but may contain errors and subject to revision.</image:caption>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-09</lastmod>
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      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Kiril Krsteski on Unsplash</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8f9b2a93-db2b-4c4f-bdb6-cc2aa1c7ed0c/Economic+Policy+Uncertainty+Index.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Source: 'Measuring Economic Policy Uncertainty' by Scott Baker, Nicholas Bloom and Steven J. Davis, 3-component index, www.PolicyUncertainty.com, https://www.policyuncertainty.com/us_monthly.html. Data from sources deemed reliable, but numbers to be considered approximate and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ce223bfe-42f3-4217-9bea-beb62c9bcc6a/30-Year%2C+Fixed-Rate%2C+JUMBO+Mortgage+Index.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Optimal Blue, 30-Year Fixed Rate Jumbo Mortgage Index, on a given day. Retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/OBMMIJUMBO30YF. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/88778964-e494-418c-a6f4-d52f3ebdf2a4/Financial+Markets%2C+2024+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets have been prone to significant volatility.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fdfa2511-fc76-48c8-92e0-5d54135ee767/House+Inventory+Absorption+Rates.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to local MLS Associations, per Broker Metrics. Percentages rounded. Late-reported sales may change calculations. Data from sources deemed reliable, but all numbers are approximate, may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9d0cdd04-d723-4792-889f-5ef3935638b0/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/439c1700-897d-41cc-b623-83983841047e/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/47d3e732-2114-4d8c-b397-166fce691297/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/241a7b65-1d74-4de3-a505-6ffa147e8dfd/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/858dd19b-d592-4cc3-b7bf-cf3e2a2ec4a7/Median+HOUSE+Sales+Prices+%E2%80%93+Selected+Neighborhoods.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through mid-April 2025. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/12f1d346-9e38-43f4-9c4a-c4a7c195a3fe/Median+CONDO+Sales+Prices+%E2%80%93+Selected+Neighborhoods.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-April 2025. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales. A few other neighborhoods not listed also had sales of $3 million+.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/91debbe4-338a-45e7-8b1f-a3239ca14288/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d2972e5a-233a-4617-bacf-505292407f54/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/16ca2f84-5ce0-4529-bed8-1841a265d9e5/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f01bfb26-c10e-490d-8a5d-da78f66a6544/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data, and may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/91e607e7-5a03-4465-94cd-69cad11b3a8f/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fb7f776d-de40-463e-8991-d2e83be1f86c/Luxury+Home+Sales%2C+%245+Million%2B.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, co-ops, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7081c995-d734-4f01-8817-f1085b366680/San+Francisco+Luxury+House+Sales.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4cddd530-b015-4f2d-8502-417057eaca8c/San+Francisco+Luxury+Condo+%26+Co-op+Sales.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Includes sales of condos, co-ops, townhouses, TICs reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6070a3c1-9407-4cdb-aa36-e7b9081aa4c7/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/37716284-1aa6-46f6-b021-c12b49f4943f/Percentage+of+Active+Listings+with+Price+Reductions*.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, https://www.realtor.com/research/data/ - residential listings posted to site. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f23f62bf-360c-4119-944b-ceeb69cbdf80/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a2b7ffe7-d308-4d64-ade0-7c1e396b58fe/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dc238109-3190-405a-a762-03622ddc3515/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - May 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.prism-re.com/blog/custom-loans-for-medical-professionals</loc>
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    <lastmod>2025-05-09</lastmod>
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      <image:title>Blog - Special Loans for Medical Professionals - Make it stand out</image:title>
      <image:caption>Photo by Patty Brito on Unsplash</image:caption>
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      <image:title>Blog - Special Loans for Medical Professionals - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Special Loans for Medical Professionals - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/sold-modern-ski-chalet</loc>
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    <lastmod>2025-05-06</lastmod>
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      <image:title>Blog - SOLD! Modern Ski Chalet</image:title>
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      <image:title>Blog - SOLD! Modern Ski Chalet</image:title>
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  <url>
    <loc>https://www.prism-re.com/blog/level-up-your-entryway</loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/quaint-bayview-home</loc>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/love-your-mother-creating-a-sustainable-gardenscape</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f595a6aa-9315-43b3-8587-e2eb8f99f11d/sustainable-landscaping.jpg</image:loc>
      <image:title>Blog - Love Your Mother: Creating a Sustainable Gardenscape - Make it stand out</image:title>
      <image:caption>Photo by Earl Wilcox on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/april-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e3331f81-5a58-4f24-948f-746caa9fb3e6/april-2025-market-report.jpg</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Nick Agee on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/28c980c4-fe78-4c5e-90de-5671ca93b9d1/Financial+Markets%2C+2024+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets are often prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d62a599c-82fa-4b3f-b1e5-234d78ba1bea/VIX+Volatility+Index.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*CBOE Volatility Index (VIX), per https://www.cboe.com/tradable_products/vix/vix_historical_data/and/or Yahoo! Finance: https://finance.yahoo.com/quote/%5EVIX/history/. Data from sources deemed reliable, but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/98812d5d-94fd-4d13-bbc9-e5e64f87b771/Mortgage+Interest+Rates+in+2023-2025+YTD.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/47d484ef-4e23-42b7-9cf9-7487cfbaa1db/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics or Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c61d4815-9862-477a-8516-48fe49f5a308/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/52de6e09-0165-404c-8fa9-213a99fd2b87/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eaf46d53-92f1-4894-99fc-d159934c59f7/San+Francisco+CONDO+vs.+TIC+Prices.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0f95c722-395d-4626-8e28-8dacc082dbbd/San+Francisco+Home+Sales+Breakdown.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through late March 2025. Data from sources deemed reliable, but may contain errors and subject to revision. Selected major property configurations. All numbers approximate. Does not include sales unreported to MLS, including many new-project condo sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/df8bd6ea-e561-4431-aa75-e38e1a41a9fb/San+Francisco+Population+Trends+since+2010+.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Estimates as of July 1 of each year. 2020-2024 data published March 13, 2025 by U.S. Census. The Census often revises numbers in subsequent estimates. All numbers to be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b0157412-7db5-4ccd-9224-22058c6d7813/San+Francisco%3A+Components+of+Population+Change.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Estimates published 3/13/25 by U.S. Census. All numbers approximate, may contain errors, and may be revised in future estimates. Census numbers may not total perfectly due to “Population change that cannot be attributed to any specific demographic component.”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ee7d8697-f7c9-4a79-a91f-bf3bc7d3154a/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ee6e3749-e080-452f-9be5-0eda6a373fe0/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dc2b92b7-27bd-439c-9e8f-80885d47f925/Listings+Accepting+Offers+%28Going+into+Contract%29+.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Will not include new-project condo activity not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b56e9891-4257-49f3-aeda-5439e6587212/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to SFARMLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f142b42e-87b1-4050-9441-099af5f0b154/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5731055c-5897-45c3-9031-f11ba92bdd38/Luxury+Home+Sales%2C+%245+Million%2B.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, co-ops, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/38a090f0-2a84-4417-af0d-1eefd334551a/San+Francisco+Luxury+House+Sales.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/567fe722-dbf2-441a-bfa0-5d208b3e8394/San+Francisco+Luxury+Condo+%26+Co-op+Sales.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Includes sales of condos, co-ops, townhouses, TICs reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e9b0b739-f3a3-4895-ae25-d264b6887b5c/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4acb7066-e0fa-4f69-b860-617e74d0ed0a/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/89325f89-93ef-4480-8b66-b80609626abe/Avg.+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded, all numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bc846110-003e-4408-9888-77d8ec6059c7/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Time to acceptance of offer for sold listings. Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/47ad460f-c2b9-48e6-bc15-46b8ecda3c91/Housing+Affordability+by+Quarter+since+2006.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Chart from the California Association of Realtors “2025 CALIFORNIA ECONOMIC &amp; HOUSING MARKET UPDATE” published March 2025. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/79fa7a90-9ca8-4f43-b120-af951e86ccda/New+Housing+Permit+Issuance+Continues+to+Run+Extremely+Low.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Chart from the California Association of Realtors “2025 CALIFORNIA ECONOMIC &amp; HOUSING MARKET UPDATE” published March 2025. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate estimates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4b354577-f94c-47bf-a88a-ab5af70cb292/Percentage+of+Households+Owning+Their+Homes.JPG</image:loc>
      <image:title>Blog - April 2025 Market Report - Make it stand out</image:title>
      <image:caption>Chart from the California Association of Realtors “2025 CALIFORNIA ECONOMIC &amp; HOUSING MARKET UPDATE” published March 2025. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate estimates.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1742313371504-VDYQQNQSQOT24CPYFZQQ/1500x1000%2847%29.jpg</image:loc>
      <image:title>Blog - SOLD! Chic Modernized Noe Valley Victorian</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! Chic Modernized Noe Valley Victorian</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1742313372508-SU01OCM30N4JBF5P7XS9/1500x1000%2849%29.jpg</image:loc>
      <image:title>Blog - SOLD! Chic Modernized Noe Valley Victorian</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1742313372855-7KTF5NBHMZCX1SJY3K5J/1500x1000%2850%29.jpg</image:loc>
      <image:title>Blog - SOLD! Chic Modernized Noe Valley Victorian</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1742313373477-5LDL2RWM2ZV9ZFMPOJXC/1500x1000%2851%29.jpg</image:loc>
      <image:title>Blog - SOLD! Chic Modernized Noe Valley Victorian</image:title>
    </image:image>
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  <url>
    <loc>https://www.prism-re.com/blog/sacramento-beer-and-cider-breweries</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e9fc97a3-bf76-4f2f-8456-bb5c1d2efe6e/sacramento-breweries.jpg</image:loc>
      <image:title>Blog - Sacramento Beer and Cider Breweries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/springtime-home-maintenance-tips</loc>
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    <priority>0.5</priority>
    <lastmod>2025-03-25</lastmod>
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      <image:title>Blog - Springtime Home Maintenance Tips - Make it stand out</image:title>
      <image:caption>Photo by Juliana Romão on Unsplash</image:caption>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/bayview</loc>
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    <lastmod>2025-03-12</lastmod>
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      <image:title>Blog - Get to Know: The Bayview - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/march-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e11037f0-e3fb-4935-b573-0139284130d8/march-2025-market-report.jpg</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/baea9a3b-b9d8-4a88-9e9a-78a0fbc6d7b0/Mortgage+Interest+Rates+in+2023-2025+YTD.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fadea5cd-71d2-4858-b8d0-7943857efd5e/Financial+Markets%2C+2024+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets are often prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0925d937-ae6d-43b4-90ea-b524ae7cdb2c/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c56f5fb2-94fe-4df0-8e3f-2d8dfce67890/Median+House+Sales+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Appreciation rates are indicators of change rather than exact measurements of price changes for any particular home. House sales reported to NorCal MLS Alliance. Data from sources deemed reliable but may contain errors and subject to revision. Appreciation rates can change significantly depending on the exact dates of the calculation. All numbers approximate and percentages rounded. *Inflation per BLS Inflation Calculator.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4e339123-9cd9-41d4-9cad-10e6b42ff0fe/San+Francisco+Percentage+of+House+Sales+by+Era+of+Construction+.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance in the 12 months through February 2025. Percentages don’t add up to 100% because of listings without construction dates. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/92a3c4f8-af56-45fc-ad4a-af48df26fb3a/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7c4daca4-b2a0-464f-a155-030312d64e07/Median+Condo+Sales+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Appreciation rates are indicators of change rather than exact measurements of price changes for any particular home. Condo sales reported to NorCal MLS Alliance. Data from sources deemed reliable but may contain errors and subject to revision. Appreciation rates can change significantly depending on the exact dates of the calculation. All numbers approximate and percentages rounded. *Inflation per BLS Inflation Calculator.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/29b7f8aa-0d49-4e5e-bcde-f9f48e92c013/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/427a30ba-bf06-4a30-a3e8-88e1116f4e35/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/081490a7-c328-4718-8e0e-973fa7517638/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cd8cce84-c9f9-40c7-a369-83c226a8e3b7/Active+%26+Coming-Soon+Listings+on+1st+of+Month*.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3fd0643e-7249-47f2-8aff-84c2939e4214/Listings+Accepting+Offers+%28Going+into+Contract%29.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/48bea38a-4621-48f1-88b1-058450873f55/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data, and may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4d380de3-84ec-4633-91b8-8fcb05fe0391/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b6aa03d8-cd84-4221-9f00-94a718d9fec2/San+Francisco+Luxury+House+Sales.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6883651d-03c7-41bf-8771-e2f5ca924d38/San+Francisco+Luxury+Condo+%26+Co-op+Sales.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Includes sales of condos, co-ops, townhouses, TICs reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4b986d16-42b0-49ea-ae2c-b2c4bf979792/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/151ab0c5-476a-4970-9516-cacd29678039/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c2f7230c-c401-41c9-8f88-e3541a13c99e/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b0d0b688-a395-4c10-bf46-c55590874be6/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3fdc24bb-cd61-40c0-96f5-42203d7ec6d1/VIX+Volatility+Index.JPG</image:loc>
      <image:title>Blog - March 2025 Market Report - Make it stand out</image:title>
      <image:caption>*CBOE Volatility Index (VIX), per Yahoo! Finance: https://finance.yahoo.com/quote/%5EVIX/history/. Data from sources deemed reliable, but may contain errors. All numbers approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/preapproved-prequalified-fully-underwritten</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/626a9d00-70a0-44b5-b0cf-66d0c369f41f/prequalified-preapproved.jpg</image:loc>
      <image:title>Blog - Prequalified vs. Preapproved vs. Fully Underwritten - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/trudis-tips-for-container-herb-gardening</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9df5e10d-90db-45b5-883b-66775d556ee6/herb-garden.jpg</image:loc>
      <image:title>Blog - Trudi’s Tips for Container Herb Gardening - Make it stand out</image:title>
      <image:caption>Photo by Matt Montgomery on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/february-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3c27219b-f7d1-40b5-9935-5970d88ee883/february-2025-market-report.jpg</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Rvs1966 on Flickr via Creative Commons license.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/31d5d93f-48a2-4fda-b018-1117939318e3/30-Year%2C+Fixed-Rate%2C+JUMBO+Mortgage+Index.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Optimal Blue, 30-Year Fixed Rate Jumbo Mortgage Index, on a given day. Retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/OBMMIJUMBO30YF. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/acf261f0-e5ff-4477-b30a-b2f9835bbd5b/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5464d6ad-e9d3-42dc-b8e0-c5d7bc58ea49/Annual+Median+House+Sales+Prices.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to MLS, per the CA Association of Realtors, or NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Different data sources sometimes calculate median house sales prices using varying methodologies.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8e2c924f-4953-403b-b4c7-3d1e5af04ba0/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3ba117d9-371a-4888-b091-a2cb0351fa85/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c021bfd6-5d86-4f8d-9ae5-a95d164349a6/2024+Median+2-Bedroom+Condo+Sales+Prices.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance by late January 2025, per Infosparks. Data from sources deemed reliable, but all numbers are approximate, may contain errors and subject to revision. Doesn’t include new-project condo sales unreported to MLS. Late-reported sales may change prices.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7ada3513-beca-48a2-b545-a0f6d461d721/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bf46e353-c0f7-44b9-b4bb-15b7a99b1a6d/2024+Median+House+Dollar+per+Square+Foot+Values.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance by late January 2025, per Infosparks. Late-reported sales may change calculations. Data from sources deemed reliable, but all numbers are approximate, may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8a3ac7dd-903c-418c-9586-3eccb6674bcf/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1085a674-508d-41cb-945e-7fc8df2fca24/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ca56f2a7-e581-42a8-bfdb-bd81a4fd9fb3/Listings+Accepting+Offers+%28Going+into+Contract%29.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/73b20040-c68e-4ea0-8a2d-c86547b648ad/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data, may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3929fa1c-5c98-4479-8189-36a0a0727861/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4e4a464c-31f7-4c6f-9b93-29ad3844f21d/San+Francisco+Luxury+House+Sales.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/49e21c50-19a0-497b-b4ee-841458cccfd7/San+Francisco+Luxury+Condo+%26+Co-op+Sales.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Includes sales of condos, co-ops, townhouses, TICs reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d7882f42-5bfc-4fa0-bdc3-de3a74397656/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/50372f2d-a606-4399-bcc7-06909feaa61d/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d0c767c3-e6fa-44d4-8586-917485474123/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/19cff3ae-9347-4702-9059-3cd763bf77ca/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f8b9b3e2-9327-4162-ac18-4a26e4bb8a90/Average+Annual+Home+Insurance+Cost+for+%24300%2C000+in+Coverage.JPG</image:loc>
      <image:title>Blog - February 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per Bankrate: https://www.bankrate.com/insurance/homeowners-insurance/homeowners-insurance-cost/#cost-by-state. Rates refreshed January 2025. The average annual home insurance premium for a home with a dwelling coverage amount of $300,000. Will not include flood or earthquake insurance. Data from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
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      <image:title>Blog - Can You Actually Save Money by Buying When Rates Are Higher? - Make it stand out</image:title>
      <image:caption>Photo by Sasun Bughdaryan on Unsplash</image:caption>
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      <image:title>Blog - Can You Actually Save Money by Buying When Rates Are Higher? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.prism-re.com/blog/25-things-to-do-in-sacramento-in-2025</loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/16a8d080-6c40-45c5-ae7e-51db887b9c6f/california-state-fair.jpg</image:loc>
      <image:title>Blog - 25 Things to Do in Sacramento in 2025 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.prism-re.com/blog/risks-of-losing-homeowners-insurance</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-01-24</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/22f21442-addd-4cce-ab0a-9aff319961d9/risks-home-insurance.jpg</image:loc>
      <image:title>Blog - Risks of Losing Homeowner's Insurance - Make it stand out</image:title>
      <image:caption>Photo by Gustavo Zambelli on Unsplash</image:caption>
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    <loc>https://www.prism-re.com/blog/the-importance-of-relationships-in-antique-collecting</loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/92474d34-3307-45e2-9ea5-8c537b1cf677/jim-gallagher-garden-court-antiques.jpg</image:loc>
      <image:title>Blog - The Importance of Relationships in Antique Collecting - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/january-2025-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1a88af86-d228-47fa-8b19-d186e7bde612/January-2025-market-report.jpg</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bf6b5bc9-45d1-4820-af02-665b3aad63df/San+Francisco+Median+House+Sales+Prices.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per CA. Association of Realtors annual historical survey for existing single family dwellings. 2024 an estimate based on sales reported to NorCal MLS Alliance by early Jan. 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales. Various sources of data may calculate median sales prices slightly differently.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f80f6ce8-70aa-45fe-8756-da6eadf69b0c/San+Francisco+Year-over-Year+Appreciation+Rates+since+1990.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to MLS: median existing house sales price appreciation rates, per CA Association of Realtors annual historical survey. 2024 an estimate based on sales reported to NorCal MLS Alliance by early Jan. 2025. Percentage-change labels rounded to nearest full percentage point. All numbers approximate, may contain errors, subject to revision, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/78dd7986-47e1-488f-9ba7-66f732cc3fca/Median+HOUSE+Sales+Prices+%E2%80%93+Selected+Neighborhoods.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through mid-December 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/85beaf0a-789e-4eba-bbc1-de9f8c3d3dd7/San+Francisco+Median+Condo+Prices.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance by early January 2025. Many new-project condo sales are notreported to MLS. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/32926a7f-a5dc-4287-9b41-11b07e601076/San+Francisco+Year-over-Year+Appreciation+Rates+since+1990.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance, per SFARMLS statistics or Infosparks. All numbers approximate, may contain errors and subject to revision. Does not include new-project condo sales unreported to MLS. Past performance is not a guarantee of future results. How this chart applies to any particular property is unknown without a specific comparative market analysis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ffada971-b88a-465b-8722-6fad91c9d7ce/San+Francisco+Condo+Prices.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*12 months condo sales reported to NorCal MLS Alliance through mid-December 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales. A few other neighborhoods not listed also had sales of $3 million+.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/473472b2-b03f-4d75-8fd3-625572d02043/San+Francisco+Median+%24%2FSq.Ft.+Values.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Per NorCal MLS Alliance Infosparks calculations, for sales reported to MLS. Median value is that value at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7771d762-e926-47a6-ad8f-9c56e9c71956/San+Francisco+Annual+New-Listing+Volume.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached residential home listings posted to NorCal MLS Alliance per Infosparks calculations in early January 2025. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change due to late-reported activity. Not all listings are posted to MLS. In San Francisco, many new-project condo sales are not posted.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/88d55aa4-da92-482c-8f21-fdfc2e1a23a9/San+Francisco+Annual+Sales+Volume.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached residential home sales reported to NorCal MLS Alliance per Infosparks calculations.Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, with last year’s total estimated based on available data in early January, and may change due to late-reported sales. Not all sales are reported to MLS. In San Francisco, many new-project condo sales are not reported.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/991d7c8f-467f-459f-bbdd-a0842d4d31af/San+Francisco+Annual+Sales+-+%245%2C000%2C000%2B.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached residential home sales reported to NorCal MLS Alliance per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, with last year’s total estimated based on available data in early January, and may change due to late-reported sales. Not all luxury home sales are reported to MLS. In SF, many new-project condo sales are not reported.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/459818d7-4bdd-48db-be6e-0e135832c79c/2024+Home+Sales+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance by 12/27/24. Not all sales are reported to MLS, especially many new-project condo sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Percentages rounded and may not add up to 100%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/780b9123-f9b5-489c-bc41-250decd0bfab/San+Francisco+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Average cumulative days on market: Sales reported to NorCal MLS Alliance per Infosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change due to late-reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/847068c2-7d76-4354-acd7-968f80d8785c/San+Francisco+%E2%80%93+Overbidding+Asking+Price.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales over final list price: All attached and detached residential home sales reported to NorCal MLS Alliance per Infosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change due to late-reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d425f556-b650-4e95-a880-c760b2e419f1/San+Francisco%3A+Overbidding+%26+Underbidding.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*The ratio of sales price to the original list price: sales reported to NorCal MLS Alliance per Infosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. Percentages rounded. All numbers approximate, and may change due to late-reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e9bea45b-b64d-4d09-b0cc-b82e15bb2f41/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2544f728-6fb2-439e-a9e9-194c051b3a9e/Listings+Accepting+Offers+%28Going+into+Contract%29.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/801035f5-9c5c-4fae-804e-718d3d9bd39b/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/79b0bbdd-38cf-4fe7-9d96-62289e982ded/San+Francisco+Higher-Price+%26+Luxury+Home+Sales*+.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*House, condo, co-op, townhouse &amp; TIC sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b520b01f-dfda-468e-a9dc-7b28d48d6ede/Inflation%3A+Consumer+Price+Index+%28CPI%29%2C+2021+%E2%80%93+2024+YTD.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], per Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/graph/?g=8dGq. Data from U.S. Bureau of Labor Statistics. CPIAUCSL is a price index of a basket of goods and services paid by urban consumers. This index includes roughly 88 percent of the total population. Data from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2ac8351f-205e-414d-90e7-3aed4d1ca70c/Federal+Funds+Interest+Rate+since+1981.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>* Per Federal Reserve Bank of St. Louis and New York; https://fred.stlouisfed.org/series/FEDFUNDS; Last reading per https://www.newyorkfed.org/markets/reference-rates/effr. Other data referenced from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ccbe06c1-e477-453d-a48a-600bea38d41c/Mortgage+Interest+Rates+in+2023-2025+YTD.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/992df5ae-c7db-4a8c-8e8f-aa53f3337230/Financial+Markets+in+2024+%E2%80%93+2025+YTD.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets are often prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1abdbb30-3f32-4139-9e96-8922462b5aa0/Percentage+of+Homes+Purchased+All-Cash.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Data per California Association of Realtors, 2024 Housing Market Survey. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f03f7119-8475-48ac-a7ac-6dfb6940bbe8/State+Percentage+Population+Changes+since+the+Pandemic+Hit.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*U.S. Census Annual Estimates of Resident Population Change for U.S. States:https://www.census.gov/newsroom/press-kits/2024/national-state-population-estimates.html. Published by Census 12/2024. Data from sources deemed reliable but may contain errors. All numbers should be considered approximate and subject to revision in later Census estimates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9dec41cb-6c68-469c-9a3b-1640a1bdd62a/Percentage+of+Buyers+Having+Difficulties+Obtaining+Insurance.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Asked of Buyer’s agents: “Did the buyer have difficulties obtaining fire/homeowners insurance?” Data per California Association of Realtors, 2024 Housing Market Survey. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8ffac424-fee4-42b1-8101-d809a738c912/Why+People+Moved.JPG</image:loc>
      <image:title>Blog - January 2025 Market Report - Make it stand out</image:title>
      <image:caption>*Movers 16+ years of age; owned, rental and social housing. Source: U.S. Census Bureau, Current Population Survey, 2023 Annual Social and Economic Supplement, published 12/2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
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      <image:title>Blog - Buy Now, Refi Later - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - 2024 in Review - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - What Is Liquefaction? - Make it stand out</image:title>
      <image:caption>An automobile lies crushed under the third story of this apartment building in the Marina District. The ground levels are no longer visible because of structural failure and sinking due to liquefaction. Credit: J.K. Nakata, USGS. Public domain.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/three-holiday-worthy-sparkling-wines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-11</lastmod>
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      <image:title>Blog - Three Holiday-Worthy Sparkling Wines - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/56ece98d-7c44-4e0a-9f1d-2ceea2736030/3-bubbles.jpg</image:loc>
      <image:title>Blog - Three Holiday-Worthy Sparkling Wines - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/december-2024-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0f03fb5d-c86e-40b0-a304-5acb27b06460/december-2024-market-report.jpg</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/04f90cf1-6dd1-43a3-9fb6-79295f884c28/Mortgage+Interest+Rates+in+2023-2024.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/26a7d5cb-a3b4-455b-b04d-3d2e3c0d00fc/Nasdaq+Composite+Index.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per https://fred.stlouisfed.org/series/NASDAQCOM. Because of number of data points, not every week has a separate column. Data from sources deemed reliable but may contain errors and subject to revision. For general illustration purposes only.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/37162700-b467-46f1-ab8e-300a4dc96497/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a4dbb0d6-666d-4381-b6d1-5af9b7f8574b/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6e611c0f-42eb-4974-bd1f-412c375bb690/San+Francisco+Home+Sales+Trends%2C+2021-2024.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached home sales reported to NorCal MLS Alliance through November 30th of each year, per Infosparks. Not all sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and 2024 YTD numbers may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3f5bcebf-2039-401f-be06-0f6c2cfe88d1/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c5a892d0-179e-4362-8a6a-ebff5bae20ec/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/986a6640-5952-4064-87db-25131306eaf4/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bcd72fcc-2e12-4b5b-b6f0-798c748572be/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6ace647f-f85a-4f68-916b-a2651ee0494d/Listings+Accepting+Offers+%28Going+into+Contract%29.jpg</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2524f82f-d39a-4342-9cb2-2905178a3fb1/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data, may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/60c91a41-7736-4293-a421-d24de6e1a066/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/45bd579b-7494-40fd-91fe-d1e156f69f5a/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/318dc21b-76ac-4d92-b3e5-f567c36dfd53/San+Francisco%3A+Not+Every+Home+Sells.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Expired &amp; withdrawn listings, as reported to the SFAR MLS for houses, condos, TICs, co-ops and townhouses, per Broker Metrics. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4c64f1c5-0c81-473e-baf0-9e3113baa260/San+Francisco+Luxury+House+Sales.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/81e0503a-0f6c-48ed-aead-318cc097446c/San+Francisco+Luxury+Condo+%26+Co-op+Sales.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Includes sales of condos, co-ops, townhouses, TICs reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d7e039c8-0756-4d37-9927-9a52581c975c/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c829098d-f48f-4030-961e-af79d491f113/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/406be99b-0137-40c5-aea1-7aa45e326979/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - December 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/december-2024-sacramento-market-snapshot</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0c5169c8-17c3-45a3-b734-4b271ddc69f5/sacramento-winter-2024-market-report.jpg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Photo by Leo_Visions on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3e997ab4-556b-4d57-8a54-a49ec5c01564/sac-condo-sales-nov-2024.jpg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Sacamento County Condo Sales, courtesy of Sacramnto Appraisal Blog</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6e4ee696-a333-49cd-bd31-bcfbf8cbe30e/condo-supply.jpg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Monthly Condo Housing Supply, courtesy of Sacramnto Appraisal Blog</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3cf929db-b938-459f-937a-5932879c26d9/sfr-supply.jpg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Monthly SFR Housing Supply, courtesy of Sacramnto Appraisal Blog</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b421ead4-da0c-4b71-ba5e-0119c9d477c5/condos-vs-homes.jpg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Monthly Housing Supply, courtesy of Sacramnto Appraisal Blog</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/11a62547-15c2-4c93-86d3-99da97f3a8b1/condos-line-graph.jpg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Monthly Median Condo Pricing, courtesy of Sacramnto Appraisal Blog</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/first-time-home-buyers-get-up-to-5250-on-the-house</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a12c239d-cfbf-4fc1-b072-ddfc2e2bca80/CCM-smart-start.jpg</image:loc>
      <image:title>Blog - First-time Home Buyers, Get up to $5,250 — on the House - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/232debf1-57c7-49f1-8435-b4dc6ac80ad4/CCM_Smart_Start_flier.jpg</image:loc>
      <image:title>Blog - First-time Home Buyers, Get up to $5,250 — on the House - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sacramento-gets-into-the-holiday-spirits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2c8a256a-3889-4ec1-b2f9-09a882ccd26b/Sacrament-Holiday-Bars.jpg</image:loc>
      <image:title>Blog - Sacramento Gets Into the Holiday Spirit(s) - Make it stand out</image:title>
      <image:caption>Oak Park's Butterscotch Den in full holiday regalia</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/what-we-mean-when-we-say-we-work-at-your-pace</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e6807183-b609-4e0a-a347-77e7afc4bc8c/work-at-your-pace.jpg</image:loc>
      <image:title>Blog - What We Mean When We Say We Work at Your Pace - Make it stand out</image:title>
      <image:caption>Photo by Alex Guillaume on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/november-2024-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3f504d2a-00ee-48dc-a19c-00e5512b0208/november-2024-market-report.jpg</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Art Litvinau on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/500e0770-82c4-4966-8437-00289150b925/Mortgage+Interest+Rates+in+2023-2024.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4b64b263-c740-484e-846c-4e56b3e387e2/Financial+Markets+in+2023-2024.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets are often prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ac7d1b6b-3213-477c-8746-4493ad462ffa/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c8f6000-bf23-4c39-98b1-01543cc3e396/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b1df8e9e-3d2f-47d1-bb63-040a8407eb17/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5534bfcd-fd86-41ad-a06c-e9575c003bca/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/48d7c384-c352-4290-b677-5eceacfccadc/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9ba5ba44-a57f-4ddb-8708-4469faad6ba1/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/da2fe6a5-593c-4eb0-bffe-5b875c1aeaa4/Listings+Accepting+Offers+%28Going+into+Contract%29+.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ef016472-3aef-4f46-a397-1552edec1aaa/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data, may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/46ca5e4e-b3a1-4554-b959-051e98394c33/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e88752e4-0a84-4022-b95d-f8bb0169745a/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Does not include new-project condo sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3acad4a4-fdaf-472c-88ef-483ac7a7c9d5/Listings+Taken+Off+Market+Without+Selling.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Expired &amp; withdrawn listings, as reported to the SFAR MLS for houses, condos, TICs, co-ops and townhouses, per Broker Metrics. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1356840e-7d52-402b-a6dd-4f29c21d59dc/San+Francisco+Luxury+House+Sales.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c63a4b38-ce1e-4c18-949a-9f1470fa1865/San+Francisco+Luxury+Condo+%26+Co-op+Sales.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Includes sales of condos, co-ops, townhouses, TICs reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cc9d1c99-ccc7-471b-b102-4269ff605683/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/06527c06-30dd-482a-b3ba-54dc96167171/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cfe20421-9dfd-4bd6-a7bc-00bb6edf65c3/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e56beaef-e6f2-4990-9ce0-a745b1008cb8/California+Migration+Trends.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Per U.S. Census 1-Year ACS estimates released 10/17/24: Published with significant margins of error. https://www.census.gov/topics/population/migration/guidance/state-to-state-migration-flows.html. State population is also affected by births and deaths, and residents moving abroad. Data from sources deemed reliable but may contain errors and subiect to revision. All numbers approximate</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9041f193-10c3-44be-9268-438e05caab34/Bay+Area+Housing%3A+Number+of+Housing+Units+by+County.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/133e62a0-5fd4-4fff-a4ec-4433f32ac717/Median+House+Sales+Prices+by+Bay+Area+County%2C+2024+YTD+Sales+through+Q3.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance in 2024 through 9/30/24, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c7eae65-803a-418f-b704-70d742bf773e/Median+House+Dollar+per+Square+Foot+Value+by+Bay+Area+County%2C+2024+YTD+Sales+through+Q3.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance in 2024 through 9/30/24, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d6235b63-8d8b-4d83-b7bd-4255059911f5/Median+2-Bedroom+Condo+Sales+Prices+by+Bay+Area+County.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance in 2024 through 9/30/24, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/81d39db1-bf10-4fa9-b1fd-aee700354aa8/San+Francisco+Bay+Area+Home+Sales.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>*2024 YTD residential sales reported to NorCal MLS Alliance by 10/31/24. Not all sales are reported to MLS. Percentages rounded except for the 2 highest price segments, and total will not exactly equal 100%. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/15c5279d-7b96-427d-b9b8-4fa20153ce6e/Bay+Area+Population+Trends++2010+%E2%80%93+2023%2C+by+County.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Estimates as of July 1 of each year, published by the U.S. Census. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/66997bca-6c75-4d70-acd1-866d3fe97a7c/Bay+Area+County+Sizes.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cd426268-1c0d-4a24-a6da-831cb22b40c4/Bay+Area+Population+Density.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per 2023 1-year ACS estimates from the U.S. Census. These analyses were performed in good faith with data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximations.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8bbd4c7a-e5c4-4cf7-9c3b-7dcf0b19b211/Educational+Attainment+by+Bay+Area+County.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>These analyses were performed in good faith with data derived from sources deemed reliable, but they may contain errors and are subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7e052328-8bc2-4ecb-94df-a82287e69ee8/San+Francisco+Demographic+Snapshot.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>* U.S. Census 2023 ACS 1-Year Estimates, published September 2024. Residents with earnings, population 25+ years of age. Data from sources deemed reliable, but may contain errors and subject to revision. Estimates often published with significant margins of error.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>Percentage of occupied housing units occupied by owners or tenants. Data derived from sources deemed reliable, but may contain errors and are subject to revision. All numbers approximate.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/66be35b4-7cc7-47ae-999c-c5fa1aa152f7/Foreign-Born+Residents.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>These analyses were performed in good faith with data derived from sources deemed reliable, but may contain errors and are subject to revision. Published with margins of error. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/33a465bf-bdcc-47c7-8392-f022cf87a2b3/Language+Spoken+at+Home.JPG</image:loc>
      <image:title>Blog - November 2024 Market Report - Make it stand out</image:title>
      <image:caption>“Asian” included Pacific Islander languages. “Other” languages not illustrated. Percentages rounded. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Census estimates are published with sometimes significant margins of error.</image:caption>
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    <lastmod>2024-10-10</lastmod>
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      <image:caption>Rocky Horror Picture Show at SF Oasis. Photo by Rachel Ziegler courtesy of Ray of Light Theater.</image:caption>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-09</lastmod>
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      <image:caption>Photo by Aman Kumar on Unsplash</image:caption>
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      <image:caption>*The sales-price-to-original-list-price and days-on-market analyses based on 3900 home sales over 12 months through July 2023, averaging Broker Metrics monthly data. The average sales price and dollar per square foot analyses based on a Broker Metrics sample of 1830 home sales in 12 months through late-August 2023. Average sales prices adjusted for difference in average square footage. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-09</lastmod>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f3f53ddd-f650-43f1-bae8-73b1928501ce/Federal+Funds+Interest+Rate+since+1981.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Per Federal Reserve Bank of St. Louis and New York; https://fred.stlouisfed.org/series/FEDFUNDS; Last reading per https://www.newyorkfed.org/markets/reference-rates/effr. Other data referenced from sources deemed reliable but may contain errors and subject to revision.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d9aaa443-1e91-4497-9fb5-a9f8534f592b/Median+House+Sales+Prices%2C+2012+%E2%80%93+Present%2C+by+Quarter.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics or Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/aceed62e-1bec-41f3-9dcd-5631e543e8f4/Median+Condo+Sales+Prices%2C+2012+%E2%80%93+Present%2C+by+Quarter.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/09a5f9d6-c1fc-4a5e-94ff-92d89ff9aecb/San+Francisco+CONDO+vs.+TIC+Prices.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e400705c-dddb-465f-ad3c-b5402a915570/San+Francisco+Home+Sales+Breakdown.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6 months sales reported to NorCal MLS Alliance through late Sept. 2024. Data from sources deemed reliable, but may contain errors and subject to revision. Selected major property configurations. All numbers approximate.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c9e428ba-cb96-43d3-9b01-c5b6f435e808/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/540ba33b-a1b2-4da2-a6ed-4e863d1f513b/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0f2e7c0e-f4b7-4de3-9cef-0fc97818fbdc/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9ffccb9d-8b8b-4365-bd57-f8faf63f1379/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e1307676-a2f7-4cc9-a9ee-e36c748af29a/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7c061167-ccc6-4cc3-9fba-e965f4d4c07f/San+Francisco+Luxury+House+Sales.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses listings and sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3cab3e58-d7e4-48d1-9149-c9847fb0dcf2/San+Francisco+Luxury+Condo+%26+Co-op+Sales.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Includes listings and sales of condos, co-ops, townhouses, TICs reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/66667a60-840a-4332-a774-fef48aa4214f/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to SFARMLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6337e6bf-c12d-4527-bf88-250b9acd9333/Percentage+of+Sales+Over+List+Price.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/593506c0-4234-4c87-a538-769febdfb0ce/Avg.+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/79ea5562-7b96-49f5-82ee-aa87bad21980/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>Time to acceptance of offer for sold listings. Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1a473508-a908-438f-ad4c-e220c7f0bad8/Percentage+of+Buyers+Having+Difficulties+Obtaining+Insurance.JPG</image:loc>
      <image:title>Blog - October 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Asked of Buyer’s agents: Did the buyer have difficulties obtaining fire/homeowners insurance?Data per California Association of Realtors, 2024 Housing Market Survey. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers should be considered approximate.</image:caption>
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    <lastmod>2024-09-09</lastmod>
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      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable but may contain errors. All numbers approximate.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9c1ef98d-f871-463a-bda3-b393a2a69800/2024+YTD+Home+Sales+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*2024 sales reported to NorCal MLS Alliance by late August 2024. Not all sales are reported to MLS, including many new-project condo sales. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded. All numbers approximate. New sales are reported constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a20a0d2f-1cb3-4c39-8567-b8b71ea1056d/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b63d7bec-4dcc-422b-a8ef-377a0d4f20f2/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3b80dce3-738b-41ac-b562-13b48b7bff5d/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1f8414d6-69c1-4953-ad34-e4ae16b1a277/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/24a8cd4c-3729-44ba-8511-65898d571bf4/San+Francisco+House+Prices.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*2024 sales reported to NorCal MLS Alliance through mid-August 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c8c1c299-52ca-4b37-abf0-2b1522099d7e/San+Francisco+House+Values.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*2024 sales reported to NorCal MLS Alliance through mid-August 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7436ce3b-0da2-4241-93db-a96b2fe984ae/San+Francisco+Median+House+Sizes.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*2024 sales reported to NorCal MLS Alliance through mid-August 2024. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales report square footage. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6bdf9493-26a0-42c0-bb4a-f5df51aa2490/Average+Days+on+Market+%28DOM%29+to+Acceptance+of+Offer.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance January-July 2024, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/244119d0-f056-47a4-9474-bcb98a042470/Percentage+of+Listings+Selling+Over+List+Price.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance January-July 2024, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5f3ede70-f551-4862-82fd-ba95a94f9456/Average+Overbid+%26+Underbid+Percentages.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance January-July 2024, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/63b7dcb9-2866-4b3e-8a80-41d9d8d5aad5/San+Francisco+Neighborhoods+with+Most+House+Sales.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance, January to mid-August 2024. Not all sales are reported. Data from sources deemed reliable, but may contain errors and subject to revision. Sales numbers approximate and change constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c9167ee5-39b2-4abb-bc73-44e2aedcac33/San+Francisco+Higher+Price+%26+Luxury+HOUSE+Market.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales and pending sales reported to NorCal MLS Alliance by mid-August 2024. Not all luxury home sales are reported. Some pending sales may not close. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/543665bf-f5c8-4197-90e8-c26df44bc6ab/San+Francisco+Condo+Prices.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*2024 condo sales reported to NorCal MLS Alliance through mid-August 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bbce3488-a9dd-42bc-8602-642584d69fca/San+Francisco+Condo+Values.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*2024 condo sales reported to NorCal MLS Alliance through mid-August 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ac1b32fd-0dc9-4db9-a67d-bcb92e6420c8/San+Francisco+Condo+Sizes.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*2024 condo sales reported to NorCal MLS Alliance through mid-August 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e9fb22eb-7f0b-4f31-b201-05054b64a84c/Average+Days+on+Market+%28DOM%29+to+Acceptance+of+Offer.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Condo sales reported to NorCal MLS Alliance January-July 2024, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ee367b66-0442-45ea-88b3-1ff2c1975abc/Percentage+of+Listings+Selling+Over+List+Price.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Condo sales reported to NorCal MLS Alliance January-July 2024, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/10b39d2a-1fec-4820-8229-57947008d5e3/Average+Overbid+%26+Underbid+Percentages.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Condo sales reported to NorCal MLS Alliance January-July 2024, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b70db29d-218d-472c-a613-e2e43e796313/San+Francisco+Neighborhoods+with+Most+Condo+Sales.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance, January to mid-August 2024. Many new-project condo sales are not reported: These are mostly clustered in the greater South Beach/SoMa/Mission Bay/Civic Center region. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and change constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d70a0631-da14-4756-8af5-76cc9ea6e7c3/San+Francisco+Luxury+CONDO%2C+CO-OP%2C+TIC+%26+TOWNHOUSE+Market.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales and pending sales reported to NorCal MLS Alliance by mid-August 2024. Not all luxury home sales are reported. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c97500d2-182e-46d8-888f-d701d78fe828/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/78923451-ec98-4d75-943a-2fde38eb86e7/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ad636d56-e981-41bd-a5ad-a2fcf93200ba/Listings+Accepting+Offers+%28Going+into+Contract%29.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/64d6e41c-8084-4f85-8af6-e09c8b8d282e/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c0fb072-0491-4177-84b4-678398687943/San+Francisco+Luxury+House+Sales.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses listings and sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7cb9f0fb-bf45-4f96-8c6f-855f7153b320/San+Francisco+Luxury+Condo+%26+Co-op+Sales.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Includes listings and sales of condos, co-ops, townhouses, TICs reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b7c623f5-ea0e-49c2-91d6-a0fa59064c44/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c727b97f-017f-4cc5-9a5c-7af6f2accfde/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/521deed4-551a-4309-8f45-280c3bb5cedc/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f9acfbee-7517-4a70-99d4-c500b7e01b07/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1a930b22-2420-4434-9eb0-933f1b5470fd/Financial+Markets+in+2023-2024.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com. Data from source deemed reliable but may contain errors and subject to revision. Financial market values change constantly and all numbers to be considered approximate. Financial markets are often prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0f753dac-66b2-4ab7-b839-4e8a2e0a83f4/VIX+Volatility+Index.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>*CBOE Volatility Index (VIX), per Yahoo! Finance: https://finance.yahoo.com/quote/%5EVIX/history/. Data from sources deemed reliable, but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/aebf7fd9-0bc6-465d-bcd2-f51d26039bfa/Accessory+Dwelling+Unit+%28ADU%29+Construction.JPG</image:loc>
      <image:title>Blog - September 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per John Burns Research &amp; Consulting report by Scott Wild referencing CA Dept. of Housing &amp; Community Development data. *CA Dept. of Housing &amp; Community Development ADU Handbook. Data from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/summer-2024-sacramento-market-snapshot</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1724093886992-B59TFGKZRXO0TSIDMPIV/sac-market-report-summer-2024.jpg</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Photo by Aiden Frazier on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4b4da576-e358-48d8-9c51-756ec54a0968/pools-vs-no-pools.png</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/35a8ee8a-fc9f-4431-8933-a96ffdf187fa/Sacramento-County-%257C-August-2e-2024-08-19T18%253A15%253A30.765Z-2.png</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d60c4beb-0fc4-4957-acef-fe8a9cd5f44e/Sacramento-County-%257C-August-2e-2024-08-19T18%253A15%253A30.765Z-3.png</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/521a86a8-67db-4fff-af76-50e9e7e44916/Sacramento-County-%257C-August-2e-2024-08-19T18%253A15%253A30.765Z-4.png</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b6db3a96-8745-4167-a16f-08839a504fb2/Sacramento-County-%257C-August-2e-2024-08-19T18%253A15%253A30.765Z-5.png</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/41216cee-1f05-4326-8ec9-a3cd6b55d827/Sacramento-County-%257C-August-2e-2024-08-19T18%253A15%253A30.765Z-6.png</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/85f1a190-08f0-4a45-8a1d-6fa8f46f60fc/Sacramento-County-%257C-August-2e-2024-08-19T18%253A15%253A30.765Z-7.png</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3735465b-3979-4d40-9446-db65c95091ea/Sacramento-County-%257C-August-2e-2024-08-19T18%253A15%253A30.765Z-8.png</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/02aab85a-8ee0-47cc-b308-238f64e8abd7/Sacramento-County-%257C-August-2e-2024-08-19T18%253A15%253A30.765Z-9.png</image:loc>
      <image:title>Blog - Summer 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/what-the-nar-settlement-means-for-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5d3e4972-5510-4ce9-b880-1297bbcf8e58/NAR-settlement.jpg</image:loc>
      <image:title>Blog - What the NAR Settlement Means for You - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/homeowners-save-your-receipts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9eac9838-a2af-4c38-bdef-b6ff39e11865/homeowner-receipts.jpg</image:loc>
      <image:title>Blog - Save Your Receipts for Tax Breaks When You Sell - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/august-2024-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1e20428f-ebde-4b3b-80d1-e0474c714836/market-report.jpg</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Zetong Li on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1f791519-ad1c-4599-a00e-f223b183471d/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5ba402b2-44a9-4472-926b-50e644f3d9f0/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5dcdb2a7-f9af-4af2-b529-ef12bb8d5900/Median+House+Sales+Price+Since+1999.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance. Median sales prices can be affected by other factors besides changes in fair market value. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and last period may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a096e6ba-b061-4407-8048-a65a9ce86165/Median+House+Sales+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance. Data from sources deemed reliable but may contain errors and subject to revision. Appreciation rates can change significantly depending on the exact dates of the calculation. All numbers approximate and percentages rounded. **Inflation per BLS Inflation Calculator.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7e408148-04dc-4742-8800-52764ca63d69/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ef48878e-c045-4f2c-a526-c146ce569174/Median+Condo+Sales+Price+Since+1999.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Condo sales reported to NorCal MLS Alliance – many new-project condo sales are not reported. Median sales prices can be affected by other factors besides changes in fair market value. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and last period may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f3c55bbb-a22b-4501-9eb0-144c3ce2a0ed/Median+Condo+Sales+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Condo sales reported to NorCal MLS Alliance. Data from sources deemed reliable but may contain errors and subject to revision. Appreciation rates can change significantly depending on the exact dates of the calculation. All numbers approximate and percentages rounded. **Inflation per BLS Inflation Calculator.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7c6f6f9b-5b4f-4493-885c-c72b5492bcc1/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6aed5bfd-fb61-4893-a252-a3dd2caf1611/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/177241bb-5953-44a8-ac11-8e577f1209a4/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cc48cf2f-ac48-4f5a-b9b4-d4829b52ed56/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3ea158b3-996d-414e-887e-a16c1e394a5f/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data, may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a69dfc27-50d6-4698-bf00-ae1449eb26d1/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e17e067d-d6f7-473b-a420-af0490adfd87/San+Francisco+Luxury+House+Sales.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses listings and sales reported to NorCal MLS Alliance, per Infosparks. Does not generally include listings and sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/76eca62e-9211-4630-9908-b4047ae350c1/San+Francisco+Luxury+Condo+%26+Co-op+Sales.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Includes listings and sales of condos, co-ops, townhouses, TICs reported to NorCal MLS Alliance, per Infosparks. Does not include listings and sales unreported to MLS, such as some new-project condos. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/47c5e4ea-d286-41d0-8729-bf1a0d48089a/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/88d954b6-4a20-410b-956a-e6f58114bc93/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dafb9ea2-fd01-43af-8bcf-80886e69fc58/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/28911fb5-1932-4b9f-9b36-a786968b5874/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - August 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sold-modern-davis-condo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1722793485359-BEQ0ZK6E6PKEN8ZMV1TB/1500x1000.jpg</image:loc>
      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1722793487612-QQQ8X2I9PN3NNPE12RNW/1500x1000%284%29.jpg</image:loc>
      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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      <image:title>Blog - SOLD! Modern Davis Condo</image:title>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/get-to-know-lake-shore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-17</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1aca6dfa-449e-42a1-8807-ad5844d08244/Lake_Merced_Fort_Funston.jpg</image:loc>
      <image:title>Blog - Get to Know: Lake Shore - Make it stand out</image:title>
      <image:caption>Lake Merced and Fort Funston by Dicklyon, CC BY-SA 4.0, via Wikimedia Commons</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/july-2024-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0fd1cea3-f162-492e-b831-d7c125fd301b/market-report.jpg</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Kellen Riggin on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1753beeb-89bf-4acd-872c-c3a65b4c65ee/Mortgage+Interest+Rates+since+Early+2023.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Per https://www.mortgagenewsdaily.com/: “Rate offerings vary—sometimes substantially—from lender to lender... The index is expressed as an average.” Daily rates can change quickly. Data from sources deemed reliable, but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/90227ce8-7a04-4a5a-a673-c83c54ad3a69/Nasdaq+Composite+Index.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7177c2d7-6373-49ff-a0d2-cfbd60d8b630/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics or Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/994c8a65-83c9-4d2f-9169-9686c4ca90e4/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8b1f7513-dd0a-4b12-be20-49e0f24f18b1/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7c24ec58-0f08-4f77-8a65-6b466c40e015/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f27fb9af-00a2-45bd-affa-227c12e97e43/Annual+Median+HOUSE+Sales+Prices+since+2012.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3e787c19-1833-40d2-b3f3-7f59c4343eee/Annual+Median+HOUSE+Sales+Prices+since+2012.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Not all sales are reported. Median Sales Price is that price at which half the sales occurred for more and half for less. It is a general statistic that may be affected by other factors besides changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4b43f2ee-cba0-492b-803a-d740806d71a6/Annual+Median+CONDO+Sales+Prices+since+2012.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Many new-project condo sales are not reported. Median Sales Price is that price at which half the sales occurred for more and half for less. It is a general statistic that may be affected by other factors besides changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2d5109c9-d44f-4bb7-abea-eae13940aecf/San+Francisco+Home+Sales+Trends%2C+2021-2024.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Home sales reported to NorCal MLS Alliance through June 30th of each year. Not all sales are reported to MLS, including many new-project condo sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5c912e2a-8c19-48dc-b321-0f4f41676277/Percentage+of+Sales+Over+List+Price.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/15294232-3421-4319-bf84-29424f2b9032/Avg.+Sales+Price+to+Original+List+Price+Percentage+%28SP%2FLP+%25%29+.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c4be07e6-1c1a-44ee-a22d-b2cfbf55976d/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c5b47dcf-aa41-4c53-8e75-23d02773609f/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8579aff4-00e8-478b-af8d-14181b4ae0df/Listings+Accepting+Offers+%28Going+into+Contract%29.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/477598ac-d101-4148-bb77-8ddc81ea34d5/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to SFARMLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f9206690-5522-4269-9dee-fb60f6eb639f/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f0e9b967-9d45-4387-83ac-87422ccc3529/San+Francisco%3A++Number+of+Home+Sales.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>*12-month-rolling dollar volume of attached &amp; detached home sales reported to NorCal MLS Alliance, per Infosparks. Does not include multi-family sales, or sales not reported to MLS, such as many new-project condo sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/366b7f13-0293-4632-884f-5b6ac3828f64/San+Francisco+Higher-Price+Home+Sales+since+2018.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Condos include co-op, townhouse, TIC sales. Not all sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/514dfd92-cbcc-4cb0-9270-8c095ba3ea8e/San+Francisco+Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/29733200-f95a-44d8-808c-03fa8733bcab/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6f92694c-e965-464a-b751-923765f6581b/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3692987b-7a09-40e7-a4b8-1b4562323a97/San+Francisco+Population+by+Age+Segment.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per U.S. Census estimates published 6/27/24, population as of July 1st of each year: https://www.census.gov/newsroom/press-kits/2024/population-estimates-characteristics.html. Data from sources deemed reliable but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b46045c9-d909-4787-8cbf-1818ed329702/San+Francisco+Employment+Trends.JPG</image:loc>
      <image:title>Blog - July 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per California Employment Development Dept. (EDD) . Last month’s data is labeled “preliminary” by EDD. EDD often goes back to revise past data releases. Data from sources deemed reliable but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.prism-re.com/blog/june-2024-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8da3ba7b-5c5c-4220-b5dd-e1fa09539bcd/june-2024-market-report.jpg</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Maria Jesus Errazuriz on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b1554691-3388-4008-a127-be75bf57694b/Slide3.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8021601f-e626-440d-bd8e-1a8073352a1b/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8b5ffee0-f8f1-4dd1-8a7d-e7b727b0291d/Year-to-Date+Median+Home+Sales+Prices.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance, January-May of each year, per Infosparks. Median Sales Price is that price at which half the sales occurred for more and half for less. It is a general statistic that may be affected by other factors besides changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. 2024 prices may change slightly with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/feb98ff6-eae5-48ea-bba0-dc677099479e/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4c9f87a4-3020-4bd8-bab7-34380c85b1ed/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0680072a-a8c0-4459-9cfe-4af332792d60/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/db54e253-578e-4a1b-8c78-60d97f16a65d/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9551fa7c-6b69-472a-b9b0-e6253e0bb75c/San+Francisco%3A+Homes+for+Sale.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Active &amp; coming-soon listings posted to NorCal MLS Alliance on 6/1/24. Not all homes for sale are posted to MLS, especially many new-project condo listings. Data from sources deemed reliable, but may contain errors and subject to revision. Listing numbers change constantly, and all numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eb596f50-e896-407c-92e9-7749b39a8e6f/San+Francisco+Home+Sales+Trends%2C+2021-2024.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Home sales reported to NorCal MLS Alliance through May 24th of each year. Not all sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and 2024 YTD numbers may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bef8d419-6395-44fa-93f7-61d23bb4989b/Listings+Accepting+Offers+%28Going+into+Contract%29+.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/15c8a97b-a42f-4d8b-8e1c-9cfeb32caecb/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data, may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/aa66e768-b7b3-4c70-bd16-6d3a5d02ff0e/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b2ab23f0-4318-4dcc-b905-a942acf884e9/San+Francisco+Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/57cce119-d841-44ef-ad7f-5d382ca6119b/San+Francisco+Higher+Price+%26+Luxury+HOUSE+Market.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales and pending sales reported to NorCal MLS Alliance by late May 2024. Not all luxury home sales are reported. Some pending sales may not close. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/de9e973e-4928-4b79-ad04-aa322a01a528/San+Francisco+Luxury+CONDO%2C+CO-OP%2C+TIC+%26+TOWNHOUSE+Market.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales and pending sales reported to NorCal MLS Alliance by late May 2024. Not all luxury home sales are reported. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9af85d25-cfa3-497b-98e0-39f9079cf98c/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d74b6905-9e72-4249-98ef-ffb730742c80/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b271a9f9-34c9-4831-bf54-04f095c30b47/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1aae484f-a00e-462d-818b-09890941da0d/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - June 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ecfc3ea2-0773-410a-b628-cc725b6054b9/San+Francisco%3A+Year-over-Year+House+Appreciation+Rates+.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Per sales reported to NorCal MLS Alliance. Median sales prices can be affected by a variety of factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded. All numbers approximate, and may change with late-reported sales. Different sources of data sometimes calculate median sales prices slightly differently.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4fbf2da7-eb73-4227-8759-18fbeb2fc858/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/81e91a1a-ca50-4782-aaf8-1fcef5e92ac6/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ca28791d-ac50-4287-9e72-647fbf1d4c1f/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/23019177-acdf-4ee7-9ecb-ca14fef28832/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ee2c31e4-c465-486c-81e8-939dfe4c11ed/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b3b1d590-f458-454f-85e2-ffde82b3a9b3/Listings+Accepting+Offers+%28Going+into+Contract%29+.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/04c1296e-af1f-4af4-b512-f9c1c2b463dd/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b616a722-6132-4bd8-8aa6-d6715e6b9f9f/San+Francisco+Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/73d105b2-ad35-487f-9624-5348dad4e93b/Median+HOUSE+Sales+Prices+%E2%80%93+Selected+Neighborhoods.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>12 months sales reported to NorCal MLS Alliance through late April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/86646d8c-3bbe-4c48-a606-d5eccbb0db84/Median+HOUSE+%24%2FSq.Ft.+Values+%E2%80%93+Selected+Neighborhoods.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>12 months sales reported to NorCal MLS Alliance through late April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/78c0990c-e6a0-4560-8284-fb03c4088451/San+Francisco+Median+House+Sizes.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>12 months sales reported to NorCal MLS Alliance through late April 2024. Median home sizes can vary widely between time periods. Within neighborhoods home sizes vary enormously. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3aac0b55-6766-4c40-9c50-ad26ca7f6e0e/Median+CONDO+Sales+Prices+%E2%80%93+Selected+Neighborhoods.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>12 months sales reported to NorCal MLS Alliance through late April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a95d21cd-55ff-495b-aa57-fdd418600fd9/Median+CONDO+%24%2FSq.Ft.+Values+%E2%80%93+Selected+Neighborhoods*.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>12 months sales reported to NorCal MLS Alliance through late April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5ddf884f-df88-4a87-8452-2d00c041b7ba/Slide18.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>12 months sales reported to NorCal MLS Alliance through late April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f8b18a58-a88a-47d4-8691-2452bf2bd030/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3d7497ea-7ada-45b7-b0cf-74895990546e/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b181bb61-6358-4a8e-a3d5-9e2e74f35a80/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/253c87ae-3563-49c0-a0c1-81c63b5d2d26/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/02c1bcae-98ee-4f9b-b313-0586451e0d58/House+Sales+Volumes+%26+Median+Sales+Prices+by+Realtor+District.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through late April 2024. Not all sales are reported. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b1d9c7ef-c8ad-4c89-b0c1-9271474d077e/Slide25.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance February-April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. Outlier data adjusted when identified. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ea937171-43c3-4070-8a00-fe968379c32d/Percentage+of+Listings+Selling+Over+List+Price.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance February-April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. Outlier data adjusted when identified. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b26a45cf-83b6-4f87-bb90-c3c6a5f100e9/Slide27.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance February-April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. Outlier data adjusted when identified. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9cfe0525-af5e-420b-ba26-cfd4ba9297f3/Condo+Sales+Volumes+%26+Median+Sales+Prices+by+Realtor+District.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through late April 2024. Many new-project sales are not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b0d38588-14b7-496b-b7ab-db538e3600c8/Average+Days+on+Market+to+Acceptance+of+Offer.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance February-April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. Outlier data adjusted when identified. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3cc9cf41-5f25-49cb-ae85-dbf7337a8f8b/Percentage+of+Listings+Selling+Over+List+Price.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance February-April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. Outlier data adjusted when identified. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eed75cca-727b-4b02-bd53-ac0e9b3c17f9/Slide31.JPG</image:loc>
      <image:title>Blog - May 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance February-April 2024. Data from sources deemed reliable, but may contain errors and subject to revision. Outlier data adjusted when identified. Percentages rounded. All numbers approximate.</image:caption>
    </image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Photo by Fran on Unsplash</image:caption>
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      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
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      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data, may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
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      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics or Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d0403558-6df7-48b3-8426-a49aa4894a97/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7e185ccf-101f-4eea-9754-ac7f82bd5322/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ee184370-82f2-4ed7-8ff6-ae5ee78aaab2/San+Francisco+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c63e0d85-b39a-4a1e-b39d-2460d7629b2b/Slide13.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/da1a1526-7860-4f07-b5f6-77f64765b3f2/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/255019b6-793a-4314-a3b7-d9fdbda699a3/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3918cb41-5d89-4608-9489-e1236179f904/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/48c4a3bc-0647-4e49-ad11-de748f95afc3/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/48a80f29-eac1-4080-83bd-f70ad24d99da/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e6286a77-57cc-4e8d-927a-e833f4980a3f/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5cb92f44-e1a5-4174-8e79-1f86ecce9b8d/Median+Household+Income.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Updated 12/14/23. U.S. Census estimates, per Federal Reserve Bank of St. Louis. Not seasonally adjusted. Inflation data from BLS calculator. Median sales price data per CA Association of Realtors. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0548c5ed-755c-4860-b083-72d7a8937f49/San+Francisco+Population+Trends+since+2010.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>Estimates as of July 1 of each year. 2020-2023 data published March 14, 2024 by U.S. Census. The Census often revises numbers in subsequent estimates. All numbers to be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4d195288-c910-42ca-bcfc-9e212e11f983/San+Francisco+Year-over-Year+Population+Change.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>Estimates as of July 1 of each year. 2020-2023 data published March 14, 2024 by U.S. Census. The Census often revises numbers in subsequent estimates. All numbers to be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/115c04a9-6ee1-4eae-a3ad-a1e58740d4b5/San+Francisco+Employment+Trends.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per California Employment Development Dept. (EDD) . Last month’s data is labeled “preliminary” by EDD. EDD often goes back to revise past data releases. Data from sources deemed reliable but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c3f4f103-457a-47e6-8ce6-799b2b089fec/San+Francisco+Residential+Rents.JPG</image:loc>
      <image:title>Blog - April 2024 Market Report - Make it stand out</image:title>
      <image:caption>1st quarter data points except, as noted. Numbers are estimated using data from a variety of rental data sources over the past 25+ years, using differing methodologies. Data from sources deemed reasonably reliable but may contain errors and subject to revision. All numbers are good-faith estimates and very approximate.</image:caption>
    </image:image>
  </url>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1707079485574-772TVDY370CK8PG6EJJW/4454_23rd3+View2.jpg</image:loc>
      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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      <image:title>Blog - SOLD! Noe Valley View Condo</image:title>
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      <image:title>Blog - SOLD! Noe Valley View Condo - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e17b69b7-0309-4c09-bfa5-82a7a35726f1/Points-of-Interest.jpg</image:loc>
      <image:title>Blog - SOLD! Noe Valley View Condo - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.prism-re.com/blog/march-2024-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e8ad897f-f149-4a8b-b819-e9c90a724e15/march-2023-market-report.jpg</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Kellen Riggin on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a37ab21a-83bf-4835-9142-83e5dc8b194a/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c0f9ecbe-ac63-43ad-8afa-f8172200d9bd/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/08676bf4-1458-4e10-b797-b5897b7866c8/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8cb07116-db93-4834-9188-37feafe0650c/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8bdaa39f-4289-42ce-842c-7ca0eceb07ed/San+Francisco+CONDO+Prices%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c999b88-02d5-463a-94db-f4de13797b41/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c6d8844a-1780-41d8-bc3f-df3970a9cffb/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>*SFARMLS reported data, per Broker Metrics. Not all new-condo project activity is reported to MLS. Last month’s data estimated using available data, may change with late reported activity. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/43d7abf9-847f-45ac-9680-c9f850b42b2f/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dd1906ac-0b58-4a34-9982-9b7ad01a3188/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6dc94b83-3305-4a51-abaa-7baae0046760/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b8bceca0-2607-476e-8caf-2e57caa49883/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/de7ee164-b48e-4dfa-b710-dd6da17c64bd/Listings+Pending+Sale.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2dd94bf7-1304-43e1-b512-219f44c69334/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1485cf8f-586d-48d7-86e1-cb10c4d97270/Mortgage+Interest+Rates+in+2023-2024+.JPG</image:loc>
      <image:title>Blog - March 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable, but may contain errors. All numbers approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/why-has-housing-inventory-been-so-low</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/654a4b67-6116-4604-b639-5cce9f87fbfd/Low-inventory.jpg</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0ec247b2-8808-490b-9e54-6ac9bb552c3a/Slide4.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>* Per U.S. Census estimates through 7/1/2023: Deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6ab7da3c-aba5-4525-a094-aad32a225487/U.S.+Number+of+Active+Listings+on+Market.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Data copyright, National Association of Realtors®. All rights reserved. Used with permission. Existing homes (not new-construction): single family dwellings, condos, co-ops. Not seasonally adjusted. Last month labeled “preliminary.” Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3c870290-bcb4-474e-afa1-0f00466d84a5/Annual+New-Listing+Volume.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Sample illustration only. Longer-term national data for new listings not available. Attached and detached residential home listings posted to MLS for 11 CA counties. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/de3a471e-edff-498c-981a-9f801bcbae3a/U.S.+Months+Supply+of+Inventory+%28MSI%29.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Data copyright, National Association of Realtors®. All rights reserved. Used with permission. Existing Home Sales, not seasonally adjusted: single family dwellings, condos, co-ops. Last month labeled “preliminary.” Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7675ffd0-9883-41e6-b820-aff6ff57d09a/U.S.+Median+Days+on+Market.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Realtors® Confidence Index Survey. Data copyright, National Association of Realtors®. All rights reserved. Used with permission. All numbers should be considered approximate good-faith estimates based on a survey of Realtors. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/91b634c4-b2d8-4e07-955a-c229a0d4c1cc/Percentage+of+Homeowners+by+Age.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*U.S. Census, 2022 1-year ACS estimates, “Demographic Characteristics for Occupied Housing Units.” Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. ** Per National Association of Realtors, 11/2023</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e9302667-771d-494d-960f-a9d8b0b48f33/Slide10.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Data per https://www.thezebra.com/resources/home/average-length-of-homeownership/. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2c6e1149-0867-4c84-97fc-006b96c2092f/Percentage+of+Buyers%3A+Non-Primary+Residence.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Investor-rental or vacation use, per Realtors® Confidence Index Survey. Data copyright National Association of Realtors®. All rights reserved. Used with permission. Single-family, condo and co-ops. Good-faith estimates based on survey of Realtors. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/18811526-c468-46ec-9e4f-f90eaef1502a/U.S.+Percentage+of+All-Cash+Buyers.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Realtors® Confidence Index Survey. Data copyright, National Association of Realtors®. All rights reserved. Used with permission. 3-month rolling average of NAR data. All numbers are approximate good-faith estimates based on a survey of Realtors. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ad391351-d33c-403d-9407-4f35acf83dc3/Percentage+of+Sales+with+First-Time+Buyers+.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*per Realtors® Confidence Index Survey. Data copyright National Association of Realtors®. All rights reserved. Used with permission. 6-month-rolling averages. All numbers are approximate good-faith estimates based on a survey of Realtors. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a756f604-fa3a-4c9a-ade9-44488f512e95/U.S.+New-Construction+Single-Family+Homes+For+Sale+.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Sources: U.S. Census &amp; Department of Housing and Urban Development, from Federal Reserve Bank of St. Louis: https://fred.stlouisfed.org/series/HNFSEPUSSA. Data from sources deemed reliable but may contain errors and subject to revision. Latest month’s reading is preliminary. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5ac5fca2-a9da-4d97-9006-647bf3ff5b4c/Slide15.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Monthly average for year ending September 2023 for single family and multiple unit construction. Data per U.S. Census Building Permits Survey, as reported by The Washington Post, “Where We Build Homes Helps Explain America’s Political Divide,” 11/24/23. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b471ca5a-a91d-42e8-8f07-2da863312b21/How+Much+Do+Zoning+Regulations+Add+to+Land+Cost.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Additional cost of zoning and related restrictions per quarter acre. Data per Gyourko &amp; Krimmel, Journal of Urban Economics, 2021, as reported by The Washington Post, “Where We Build Homes Helps Explain America’s Political Divide,” 11/24/23. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers rounded and approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/08a66d8d-9824-4550-8949-c68f6332fec1/U.S.+Median+Single-Family-Home+Sales+Price.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Data copyright, National Association of Realtors®. All rights reserved. Used with permission. Existing single family dwellings only, does not include new-home sales. Last month labeled “preliminary.” Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/540c0602-9480-46db-b264-bbe54ef97509/Mortgage+Interest+Rates%2C+Long-Term+Trends+since+2000.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States, retrieved from Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/MORTGAGE30US. FHLMC: https://www.freddiemac.com/pmms. Data from sources deemed reliable but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4d9c39ba-cb87-44b4-9eb7-6c0c9f103a3c/U.S.+Housing+Affordability+since+1989.JPG</image:loc>
      <image:title>Blog - Why Has Housing Inventory Been So Low? - Make it stand out</image:title>
      <image:caption>*Data copyright, National Association of Realtors® Housing Affordability Index: 2-period moving trend line. https://www.nar.realtor/research-and-statistics/housing-statistics/housing-affordability-index. All rights reserved. Used with permission. Based on quarterly sales of existing single family dwellings. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sold-cozy-sacramento-ranch-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-08</lastmod>
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      <image:title>Blog - SOLD! Cozy Sacramento Ranch Home</image:title>
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    <loc>https://www.prism-re.com/blog/roomy-delta-manse</loc>
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    <priority>0.5</priority>
    <lastmod>2024-02-22</lastmod>
    <image:image>
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      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Mural of the California Capitol Building at J and 20th Streets. Photograph by dpaul brown.</image:caption>
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    <image:image>
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      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Chart by Ryan Lundquist, SacramentoAppraisalBlog.com. Used with permission.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dd047636-398b-4b44-a79a-40f14ad4aaa4/Sac+county+median+house.jpeg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b8d5c4ca-06dd-4217-9e26-280a4a71122e/Sac+county+median+condo.jpeg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c599318b-e42e-4b33-9ed0-b773b13c103c/Sac+county+listings+going+into+contract.jpeg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/02f63c7e-b88f-48ba-8f7e-6713e8243e8b/Sac+county+%241M%2B.jpeg</image:loc>
      <image:title>Blog - Winter 2024 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.prism-re.com/blog/sacramento-museums-not-to-be-missed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-22</lastmod>
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      <image:title>Blog - 6 Sacramento Museums Not to Be Missed - Make it stand out</image:title>
      <image:caption>The courtyard of the Crocker Art Museum. Photo by Sean Timberlake.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/february-2024-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-15</lastmod>
    <image:image>
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      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Edgar Chaparro on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/68e61f53-176a-4ef1-8711-c7403ac607e4/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/089f9962-975d-4c5a-86ac-c4d09e9df2a5/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, townhouse listings going into contract as reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1454bdbd-9eec-41b2-824c-30b1481048c8/San+Francisco+HOUSE+Price+Trends.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/147be5ed-852d-406d-9f47-6d9f1ad30af6/San+Francisco+CONDO+Price+Trends.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4dbab2df-60e8-4f38-bc08-97e933cc9716/San+Francisco+CONDO+Price+Trends%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0b541e74-1954-4e91-bc62-f4844b7df242/San+Francisco+House+Sales+by+Bedroom+Count+%26+Price+Segment.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>12 months sales reported to SFARMLS &amp; MLSLISTINGS through January 21, 2024, per Broker Metrics. Not all sales are reported via these MLS systems. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c9c6df1-c84b-4c91-b8ef-6c890bd7f82d/San+Francisco+Condo%2C+Co-op+%26+TIC+Sales+by+Bedroom+Count+%26+Price+Segment.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>12 months sales reported to SFARMLS &amp; MLSLISTINGS through January 21, 2024, per Broker Metrics. Not all sales are reported via these MLS systems. Many new-project sales are not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b180e3aa-b6cb-4164-b537-9e370b4dbfdd/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a6cc566f-2a66-43ff-a942-777b11a50b0a/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8efd8e16-7c95-40fe-a259-961136784c77/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8162c045-51a3-4aa0-a6ad-bf6aff94cc2c/Percentage+of+Home+Sales+by+Era+of+Construction.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Analysis of 2022-2023 home sales reported to NorCal MLS Alliance. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7a7d44bd-61a2-45d6-aef2-f240d60a762b/San+Francisco+House+Market+by+Era+of+Construction.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Analysis of 2022-2023 house sales reported to NorCal MLS Alliance. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Median house sizes vary widely between different neighborhoods.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a54fd464-d132-4746-99a5-7f7bd3ed657b/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ba77e80a-c69c-42fb-bc2d-e8f6380682c3/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/66dbeae2-97be-430e-b3a7-e203e8d300ca/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a26153b9-2db3-4728-bbcd-753ef5f77968/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2a8e5e09-8375-414a-b719-c33a62fc08e8/Mortgage+Interest+Rates+in+2023-2024.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable, but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0338cf6a-2152-43be-9315-f8731264c907/Nasdaq+Composite+Index+January+1995+to+2024+YTD.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per Yahoo Finance or MarketWatch.com data download. Because of number of data points, not every week has a separate column. Data from sources deemed reliable, but may contain errors and subject to revision. For general illustration purposes only.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3a4cceed-fde7-4765-9de6-18a1aafbdd11/San+Francisco+Population+Breakdown+Estimates+by+Race%2FAncestry.JPG</image:loc>
      <image:title>Blog - February 2024 Market Report - Make it stand out</image:title>
      <image:caption>U.S. Census 2022 ACS 1-Year Estimates. Data from sources deemed reliable, but may contain errors and subject to revision. Estimates published with significant margins of error and should be considered very approximate. Due to the way Census data is presented &amp; sorted, percentages do not add up to 100%.</image:caption>
    </image:image>
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    <loc>https://www.prism-re.com/blog/2023-in-review</loc>
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    <lastmod>2025-01-06</lastmod>
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      <image:title>Blog - 2023 in Review - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/january-2024-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/387a4179-9bae-4d15-a123-120b67c0dfef/january-2024-market-report.jpg</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>Photo by salvatore ventura on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3d55bc55-a943-424b-93b3-53d6a477c5d2/Mortgage+rates+in+2023.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable, but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3ba7fc7e-26d6-4134-9119-443a8eb4ffe9/San+Francisco+Median+House+Prices.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Per CA. Association of Realtors annual historical survey for existing single family dwellings. 2023 an estimate based on sales reported to NorCal MLS Alliance by early Jan. 2024. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales. Various sources of data may calculate median sales prices slightly differently.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e740db93-cf88-4429-9329-7d71fcc1d47f/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics or Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1b2bd32f-7161-4249-80e4-011ff8a9787f/San+Francisco+Median+Condo+Prices.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per sales reported to NorCal MLS Alliance by early January 2024. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2b1ee193-c9a9-4f23-baf4-8c9aae6a9f7c/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9e643acb-c2a6-436b-aa5a-c083c8eb656e/San+Francisco+Median+Condo+Prices.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per sales reported to NorCal MLS Alliance. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4ef1e21d-2599-48f3-bc19-d0f550e2462a/San+Francisco+Median+Condo+%26+TIC+Prices.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>Per sales reported to NorCal MLS Alliance. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/15f18f14-3bd3-4e29-b00e-a1dc6849db8f/San+Francisco+Median+%24%2FSq.Ft.+Values.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Per NorCal MLS Alliance Infosparks calculations, for sales reported to MLS. Median value is that value at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2d247d1b-453f-45e6-b166-89d81aa1d41d/San+Francisco+Annual+New-Listing+Volume.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached residential home listings posted to NorCal MLS Alliance per Infosparks calculations in early January 2024. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change due to late-reported activity. Not all listings are posted to MLS. In San Francisco, many new-project condo sales are not posted.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d7e06abe-ed05-4308-88ab-ccb78f20dcfc/San+Francisco+Annual+Sales+Volume.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached residential home sales reported to NorCal MLS Alliance per Infosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, with last year’s total estimated based on available data in early January, and may change due to late-reported sales. Not all sales are reported to MLS. In San Francisco, many new-project condo sales are not reported.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/131ef10c-82c0-4b76-a71e-cbef6396f970/San+Francisco+Residential+Market.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance by 12/22/23. Not all sales are reported to MLS, especially many new-project condo sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Percentages rounded and may not add up to 100%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/97f54d53-d538-4f4f-8026-93cdf39f4a0b/2023+Market+Dynamics+by+Property+Type+%26+Price.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*An average of monthly MSI readings in 2023 through November: Sales reported to SFARMLS, per Broker Metrics. Outlier data adjusted when identified. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7fc26369-fcbb-4e35-b75b-aed45346351e/San+Francisco+Annual+Sales+-+%245%2C000%2C000%2B.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached residential home sales reported to NorCal MLS Alliance per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, with last year’s total estimated based on available data in early January, and may change due to late-reported sales. Not all luxury home sales are reported to MLS. In SF, many new-project condo sales are not reported.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/64e65a82-9637-4c54-8279-02f0dad38ce7/San+Francisco+Luxury+HOUSE+Market+in+2023.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales and pending sales reported to NorCal MLS Alliance by 12/18/23. Not all luxury home sales are reported. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/36f6f6fa-c22e-48cb-b559-09e7247418ea/San+Francisco+Luxury+CONDO%2C+CO-OP%2C+TIC+%26+TOWNHOUSE+Market+in+2023.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales and pending sales reported to NorCal MLS Alliance by 12/18/23. Not all luxury home sales are reported. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/747c2765-dfe8-46ae-93e5-391c4f5ff25e/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/65447e1f-5623-4828-8715-ebe09be8aaa1/Listings+Accepting+Offers+%28Going+into+Contract%29.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, townhouse listings going into contract as reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ca567566-8120-49ff-b505-c6575076c82f/San+Francisco+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Average cumulative days on market: Sales reported to NorCal MLS Alliance per Infosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change due to late-reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/38088485-87df-4ea9-a33b-023a4f9f59d7/San+Francisco+%E2%80%93+Overbidding+Asking+Price.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales over final list price: All attached and detached residential home sales reported to NorCal MLS Alliance per Infosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change due to late-reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/041c2ff3-46fa-410b-b765-292818c950c7/San+Francisco%3A+Overbidding+%26+Underbidding.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*The ratio of sales price to the original list price: sales reported to NorCal MLS Alliance per Infosparks calculations. Data from sources deemed reliable but may contain errors and subject to revision. Percentages rounded. All numbers approximate, and may change due to late-reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5cda5746-5127-4bc4-8729-9f2190bc9165/U.S.+Percentage+of+All-Cash+Buyers.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Realtors® Confidence Index Survey. Data copyright, National Association of Realtors®. All rights reserved. Used with permission. 3-month rolling average of NAR data. All numbers are approximate good-faith estimates based on a survey of Realtors. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/05516446-a7f9-4a00-a9b0-ee8846e4d44a/Annual+Median+HOUSE+Sales+Prices+since+2012.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Median Sales Price is that price at which half the sales occurred for more and half for less. It is a general statistic that may be affected by other factors besides changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c5b0e86e-ecea-4cba-b708-e6dc99a145b9/Annual+Median+HOUSE+Sales+Prices+since+2012.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Median Sales Price is that price at which half the sales occurred for more and half for less. It is a general statistic that may be affected by other factors besides changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/505f6b5f-499b-4d94-a041-d9346d2e51e8/Annual+Median+CONDO+Sales+Prices+since+2012.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Many new-project condo sales are not reported. Median Sales Price is that price at which half the sales occurred for more and half for less. It is a general statistic that may be affected by other factors besides changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a481404b-555d-4616-932a-5f1e654f183a/Bay+Area+Median+House+Values+by+County.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/016f7329-50ce-4646-99c9-7f4ec179470d/Bay+Area+Median+House+Values+by+County.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/34a081fb-f87b-4345-aa33-aec4ea8c028a/Bay+Area+Median+Condo+%26+Townhouse+Values+by+County.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance during the 6 months through mid-December 2023. Counties contain submarkets of widely varying values. Median values fluctuate for reasons besides changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. Numbers approximate, and may change with late reported sales. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6d80155e-bc26-45da-84ba-f02817614d50/Federal+Funds+Interest+Rate+since+1981.JPG</image:loc>
      <image:title>Blog - January 2024 Market Report - Make it stand out</image:title>
      <image:caption>* Per Federal Reserve Bank of St. Louis and New York; https://fred.stlouisfed.org/series/FEDFUNDS; Last reading per https://www.newyorkfed.org/markets/reference-rates/effr. Other data referenced from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sold-quaint-noe-valley-bungalow</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-06</lastmod>
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      <image:title>Blog - SOLD! Quaint Noe Valley Bungalow</image:title>
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      <image:title>Blog - SOLD! Quaint Noe Valley Bungalow</image:title>
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      <image:title>Blog - SOLD! Quaint Noe Valley Bungalow</image:title>
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  <url>
    <loc>https://www.prism-re.com/blog/sold-modern-coastal-view-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-10</lastmod>
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      <image:title>Blog - SOLD! Modern Coastal View Home</image:title>
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      <image:title>Blog - SOLD! Modern Coastal View Home</image:title>
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      <image:title>Blog - SOLD! Modern Coastal View Home</image:title>
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      <image:title>Blog - SOLD! Modern Coastal View Home</image:title>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/december-2023-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/53b28fc9-f575-4661-82b1-1c3c1087e3fb/Presidio-sunrise.jpg</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Casey Horner on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/48270ba3-666d-4893-b381-c100bdb72a9f/Mortgage+Interest+Rates%2C+9%2F1%2F23+%E2%80%93+12%2F6%2F23.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Per https://www.mortgagenewsdaily.com/: “Rate offerings vary—sometimes substantially—from lender to lender... The index is expressed as an average.” Daily rates can change quickly. Data from sources deemed reliable, but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b38f56c7-fea4-455d-aeb3-8f184ee2ebbf/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/095ff042-c8be-46c0-a7a7-ba9d37102028/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f8e1866b-cd82-4b85-a62c-e8f674986306/San+Francisco+CONDO+Price+Trends%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e079a3bc-8203-452a-bbf6-8bb68d79506e/San+Francisco+Home+Sales+Trends%2C+2021-2023.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>*All attached and detached home sales reported to NorCal MLS Alliance through November 30th of each year, per Infosparks. Not all sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and 2023 YTD numbers may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2d0f26fb-b02c-4efb-9a39-f2c5a75fedf0/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/aef64945-f910-4d2f-990a-4873f78c3e55/New-Listing+%26+Home+Sales+Volumes%3A+Broad%2C+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Each data point reflects total of 12 months of residential activity reported to NORCAL MLS® ALLIANCE, per Infosparks. 1/12 of these numbers = an average month within the 12 month period. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8cd85edd-eb21-4752-b100-15005bc97f31/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c5137678-2826-4c61-b5bc-3a2ce4eaa013/Slide11.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/663a26f0-cbc6-478b-a958-be8a1ff2e816/Listings+Pending+Sale+%28in+Contract%2C+Offer+Accepted%29.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/391d5f38-d350-4e79-9d7b-de16255eef18/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a871b515-429d-4ae3-8e32-5fa466562375/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/47d69d8a-9873-4d74-8130-d0292cf24386/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/48d79189-e28c-4725-80b1-11782f566b6b/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/377d89b0-8563-4520-be8e-9d135ba5ce5e/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a2439b16-c14d-4e0b-9216-90c4c39fae0c/4-Year+Median+House+Sales+Price+Appreciation+Rates.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Median house sales prices per NorCal MLS Alliance. Percentages rounded. Late-reported sales may change calculations. Counties contain submarkets of widely varying trends. All numbers approximate, may contain errors and subject to revision.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/51dd587b-d997-4a38-97f8-5e1ad2f51f25/U.S.+Homeowner%3A+%22Probability+of+Moving%22+in+Next+12+Months.JPG</image:loc>
      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Source: Survey of Consumer Expectations, © 2013-2023 Federal Reserve Bank of New York (FRBNY). The SCE data are available without charge at http://www.newyorkfed.org/microeconomics/sce and may be used subject to license terms posted there. FRBNY disclaims any responsibility for this analysis and interpretation of Survey of Consumer Expectations data. https://www.newyorkfed.org/microeconomics/sce/housing#/owners_21</image:caption>
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      <image:title>Blog - December 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Data per U.S. Census as reported on by Bloomberg News, "The Share of Americans Who Are Mortgage-Free Is at an All-Time High," 11/17/23. Data from sources deemed reliable, but not guaranteed and may contain errors. All numbers should be considered approximate.</image:caption>
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      <image:title>Blog - Three (More) Holiday-Worthy Sparkling Wines - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Three (More) Holiday-Worthy Sparkling Wines - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - SOLD! Stunning South Bay Eichler</image:title>
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    <loc>https://www.prism-re.com/blog/want-to-buy-investment-property-its-easier-than-ever</loc>
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    <lastmod>2023-11-16</lastmod>
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      <image:title>Blog - Want to Buy Investment Property? It’s Easier Than Ever - Make it stand out</image:title>
      <image:caption>Photo by CHUTTERSNAP on Unsplash</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.prism-re.com/blog/autumn-2023-sacramento-market-snapshot</loc>
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    <lastmod>2023-11-15</lastmod>
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      <image:title>Blog - Autumn 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Photo by Leo on Unsplash</image:caption>
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      <image:title>Blog - Autumn 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Autumn 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Autumn 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Autumn 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Autumn 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Autumn 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/sold-modern-bernal-heights-condo</loc>
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    <lastmod>2023-11-14</lastmod>
    <image:image>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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      <image:title>Blog - SOLD! Modern Bernal Heights Condo</image:title>
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  <url>
    <loc>https://www.prism-re.com/blog/november-2023-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2d1aa58a-d7e0-4fbe-a252-4517e06cc270/November-2023-market-report.jpg</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Jose Antonio Gallego Vázquez on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a6eb7f3f-88ac-4e7e-9f80-be9ac16e5ec1/Mortgage+Interest+Rates+since+February+2023.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Per https://www.mortgagenewsdaily.com/: “Rate offerings vary—sometimes substantially—from lender to lender... The index is expressed as an average.” Data from sources deemed reliable, but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2e7956b3-4d97-4f36-a192-692fa6a49ab6/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/19c214da-12ac-4bc7-b4c7-9280036bf1d0/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9d143410-32c0-48b5-9103-b70d5706f181/San+Francisco+CONDO+Price+Trends%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/68b9fc9a-97b8-48a1-979b-10b1d3ac06fe/San+Francisco+Home+Sales+Breakdown.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>*4 months sales reported to NorCal MLS Alliance through late October 2023. Data from sources deemed reliable, but may contain errors and subject to revision. Selected major property configurations. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/214cf8b2-95d7-4b00-9766-f75d3ea8bdcf/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c3b7cae-16b6-450e-966b-a4eea9e340bd/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7dfecf48-538d-4b92-9d68-75a67e665b5e/Slide12.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/32aa20ca-0095-400c-bc3a-f288466b952b/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3be51786-021f-4568-9a13-e2f2dcf46766/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3102d1eb-e3db-4ec9-af87-7a1cc7f8597f/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4d3c3559-94cc-4763-94a4-4e1e58c32187/Active+%26+Coming-Soon+Listings+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Active &amp; coming-soon listings posted to NorCal MLS Alliance as of 10/31/23. Not all homes for sale are posted to MLS, especially many new-project condo listings. Data from sources deemed reliable, but may contain errors and subject to revision. Numbers change constantly, and all numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/22e443c8-e7e5-4d49-912e-1e34730bae24/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/719fb85e-6db3-4dd9-bd12-f6306b86b1bf/Listings+Pending+Sale+%28in+Contract%2C+Offer+Accepted%29.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8e73e4d0-10dd-4edb-83ab-5cc8887dbe81/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f6cf67b3-4f4e-4408-8d13-2e183a5eece3/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9cb4a5d8-9cd6-4356-aa5b-20abd9142fa8/Listings+Taken+Off+Market+Without+Selling.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>* As reported to the SFAR MLS for houses, condos and townhouses, per Broker Metrics. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7c7d4b13-67ed-4ac1-b783-1740ad0bb4f3/U.S.+Percentage+of+All-Cash+Buyers.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Realtors® Confidence Index Survey. Data copyright, National Association of Realtors®. All rights reserved. Used with permission. 3-month rolling average of NAR data. All numbers are approximate good-faith estimates based on a survey of Realtors. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/efed377a-7346-46a7-9caf-12ccedd2ec70/People+Moving+Out+of+CA+to+Another+State+in+2022.JPG</image:loc>
      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Per U.S. census 1-Year ACS estimates published 10/19/23: Estimates published with margins of error. https://www.census.gov/topics/population/migration/guidance/state-to-state-migration-flows.html. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
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      <image:title>Blog - November 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Blog - SOLD! South Shoreview Midcentury Charmer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eacb8b3c-bafe-402b-86f5-e75789939542/003-1524-cottage-grove-avenue.67183.fp2k.2d.calc.site.01.jpg</image:loc>
      <image:title>Blog - SOLD! South Shoreview Midcentury Charmer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/october-2023-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2f2704c9-14f1-46f7-85a3-0baabba1f63d/October-2023-market-report.jpg</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Alexis AMZ DA CRUZ on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f0e0e5de-2a3a-4abd-9293-759e0ecd3baa/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/22802f60-afd4-4abf-bdc6-eefe23526679/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/41e69f6b-a4ed-411d-af9a-e2cb39da35cd/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3334e5db-9adf-4b23-a0f4-ab668625992e/Slide6.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Median existing single-family-dwelling sales prices per CA Association of Realtors, except 2023 YTD median house price per sales reported to NorCal MLS Alliance through 8/31/23. Annual median household income per U.S. Census estimates, except data for 1996 not available and estimated by Compass. Not adjusted for inflation. Inflation rate per BLS CPI calculator, 1/95 - 12/22. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/113bfa07-65c6-44d5-b7da-437f82533b01/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/976dadf8-53eb-45cc-a5b8-6fe4b8f343e2/San+Francisco+Residential+Home+Sales.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance by late Sept. 2023. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1a24ef17-dd47-4372-a2a5-3bb0b84fd164/San+Francisco+HOUSE+Price+Trends+%E2%80%93+Selected+District+Markets.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late reported sales. Quarterly and seasonal price fluctuations are common. Long-term trends are more meaningful than short-term changes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e010fb6f-ada9-40e4-ae52-3002049924d0/Comparative+Greater+Bay+Area+HOUSE+Prices.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>* House sales reported to NorCal MLS Alliance. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2f4bf2f0-f9ff-4fba-8d71-a25474fbeec9/San+Francisco+Luxury+HOUSE+Market.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales and pending sales reported to NorCal MLS Alliance by 9/22/23. Not all luxury home sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cac00bf6-842f-412a-91f8-2b618facf034/San+Francisco+CONDO+Price+Trends+%E2%80%93+Selected+Districts.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3dac2cc4-3d45-4d7a-a89d-b80a78a0a2b6/San+Francisco+CONDO+Price+Trends+%E2%80%93+Selected+Districts.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/caf99771-74a5-4e81-b16b-f135d91af0f6/Slide17.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance by 9/22/23 + pending sales as of 9/22/23. Not all sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e84eea87-cd9a-461c-814c-c69fded032e4/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/110290ca-f7f0-47ef-a020-5c19d5599311/Slide19.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5a91ccab-ee75-40f2-92fc-cc87162d3876/Listings+Pending+Sale+%28in+Contract%2C+Offer+Accepted%29.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1eb943bf-76d4-4f8e-8ce2-943039d25a8b/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/31fb92ae-a114-4ef5-87c6-2fb376ec9217/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1c5ce33a-000d-4c22-99f0-f805e921b0d3/Bay+Area+Luxury+Home+Market%3A+Active+Listings%2C+%245+Million.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Residential active and coming-soon listings posted to NorCal MLS Alliance on 10/1/23. Not all luxury home listings are posted to MLS. In San Francisco, many new-project luxury condos are not listed in MLS. Numbers change constantly. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/65c5bac8-8e93-471b-9d82-d6ce8ceae2af/Bay+Area+Luxury+Market%3A+Sales+of+%245+Million%2B+.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 2023 residential sales reported to NorCal MLS Alliance by 10/1/23 + listings reported as being in contract. Not all luxury home sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/89b2e529-c7ec-4d9a-9286-09eeb1b17097/San+Francisco+Bay+Area+Home+Sales.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Q3 2023 residential sales reported to NorCal MLS Alliance by 9/30/23. Not all sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded, all numbers approximate, and may change with late-reported sales.</image:caption>
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      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>*From "2023 County Health Rankings and Roadmaps," ranking 58 CA counties: https://www.countyhealthrankings.org/reports/2023-county-health-rankings-national-findings-report **Census 2022 1-Year ACS estimates, published September 2023. Percentages refer to % of population; homeowner % of occupied housing units; bachelor/grad/professional degrees, population 25+years of age. Counties with large agricultural sectors will be affected by socio-economic factors pertaining to agricultural workers.</image:caption>
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      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>U.S. Census 2022, ACS 1-year estimates, published September 2023. *Occupied Housing Units, **Employment, 16+ years of age. ***25+ years of age. All numbers approximate, subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/79d1606a-98e6-4bfe-8e7c-0f53dcd868d3/Mortgage+Interest+Rates%2C+Long-Term+Trends+since+1976.JPG</image:loc>
      <image:title>Blog - October 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>Blog - SOLD! Inner Sunset Charmer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - SOLD! Chic SoMa Loft - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <priority>0.5</priority>
    <lastmod>2023-09-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/59f9a8fb-4226-4c19-bf26-eb46b49be20f/market-report.jpg</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Cedric Letsch on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c5a0ad25-2e42-40d2-bc27-8f58f60bad56/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2264b930-f3e6-40f1-bdd1-e1de803b5138/San+Francisco+HOUSE+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c4faa6bc-f025-4d75-8632-f0cd6a88e779/San+Francisco+HOUSE+Price+Appreciation+Since+1995.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded to nearest full point. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7e898581-2dd7-40ac-8fb6-17c81becdba1/San+Francisco%3A+Year-over-Year+HOUSE+Price+Change.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e1a05116-5ced-452d-815d-f0da1fb6eb12/6+Months+House+Sales+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>*6 months house sales reported to NorCal MLS Alliance by mid-August 2023. Not all sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/35f5506e-cb11-4a5c-9689-1e257c101b88/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4c346beb-85e6-48cc-bfc7-1257a8238cf6/Slide9.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded to nearest full point. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/812fe092-305a-4361-8331-7b8bc21af009/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median sales prices reported to NorCal MLS Alliance, per Infosparks. Median sales price is that price at which half the sales occurred for more and half for less. Monthly and seasonal fluctuations are common. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/05b6d331-a1dd-49ba-880b-4bacb1345fd3/San+Francisco+CONDO+Price+Trends%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/14804222-6309-4f85-aa5d-7b99c6e42f97/Slide12.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>*6 months sales reported to NorCal MLS Alliance by mid-August 2023. Many new-project condo sales are not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f8569d0e-986c-49be-873c-dbe724c39e76/Active%2FComing-Soon+Listings.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Active/Coming Soon listings (no offer accepted) posted to NorCal MLS Alliance. Data from sources deemed reliable, but may contain errors and subject to revision. Not all listings are posted to MLS, including many new-project condos. All numbers approximate. Numbers of listings and median list prices change constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/47636923-4364-42ee-9ead-9bc3af453d44/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e1cd60f5-fe9b-4131-8daa-c8059aa50914/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3054d68e-f3e0-4504-872a-a5204107aeb6/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e017fb79-f0c0-4ca7-afcc-74ca1bdaec99/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/78701977-6e8b-4ef2-80e0-ba5a12549292/Slide19.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ff650627-a57b-4c2f-b265-1202083cc537/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e8f14194-5d75-4264-a339-237332545d78/Listings+Accepting+Offers+%28Going+into+Contract%29.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to MLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/690fa95e-55de-4a7c-a6a0-f90f598a6426/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0b1e4f45-daeb-45d4-abba-22795881443e/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/153234ad-6807-47ab-a4aa-ce126fe963d9/U.S.+Percentage+of+All-Cash+Buyers.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Realtors® Confidence Index Survey. Data copyright, National Association of Realtors®. All rights reserved. Used with permission. 3-month rolling average of NAR data. All numbers are approximate good-faith estimates based on a survey of Realtors. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/012f5d21-abeb-47c8-b85d-0d8990c81913/Mortgage+Interest+Rates%2C+2022+-+2023+YTD.JPG</image:loc>
      <image:title>Blog - September 2023 Market Report - Make it stand out</image:title>
      <image:caption>Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed rellable. Different sources of mortgage data sometimes vary in their determination of daily and weekly rates. Data from sources deemed reliable, but may contain errors. All numbers approximate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/get-to-know-inner-sunset</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b6a2e0db-a8ce-45b1-9048-65ad02024e1c/inner-sunset.jpg</image:loc>
      <image:title>Blog - Get to Know: Inner Sunset - Make it stand out</image:title>
      <image:caption>Photo by Tony Webster on Flickr via Creative Commons license</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/when-will-mortgage-rates-come-down</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/337b2c1c-20a3-4f9e-a0c2-06e628dbef09/Mortgage-rates.jpg</image:loc>
      <image:title>Blog - When Will Mortgage Rates Come Down? - Make it stand out</image:title>
      <image:caption>Photo by Kostiantyn Li on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/easy-and-cheap-ways-to-refresh-your-bathroom</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3ebddc6a-019e-43f6-b323-048289160419/bathroom-refresh.jpg</image:loc>
      <image:title>Blog - Easy (and Affordable) Ways to Refresh Your Bathroom - Make it stand out</image:title>
      <image:caption>Photo by Point3D Commercial Imaging Ltd. on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/august-2023-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/26567e1a-9fce-4846-86b2-b0b4dc105ec4/Market-report.jpg</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Kace Rodriguez on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c4445871-1ca8-49b0-abf4-19f4b6906789/San+Francisco+Median+House+Prices.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Per CA. Association of Realtors annual survey for existing single family dwellings. 2023 data per MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales. Various programs may calculate median sales prices slightly differently.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/052fbc88-5dda-4a2e-833d-7129ec9fc323/San+Francisco+HOUSE+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2021d415-889b-44ab-8806-e72fd3697173/Bay+Area+Median+House+Sales+Price+Declines+by+County.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>* House sales reported to NorCal MLS Alliance. Percentages rounded. Numbers approximate, may contain errors and subject to revision. Late-reported sales may change calculations.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a1aec88f-b4a4-4cc7-8023-245ae33c653c/Slide7.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per sales reported to NorCal MLS Alliance. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b293ca60-7851-4136-aafd-ae90dbc3c77c/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/25bfad5f-f077-4d49-8e88-a3975bc1f332/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/85b956a9-7183-47f4-ba41-f15d49aaffc3/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bc285c5c-0bbc-49c2-b02d-d19376554825/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/476a5fad-fe45-4a51-93f4-ae77ff00378b/Bay+Area+Home+Sales+by+County.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>*House, condo, co-op, TIC &amp; townhouse sales reported to NorCal MLS Alliance in the 12 months through 7/15/23. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/aeca3ba2-ee16-4f86-9211-55b88364741e/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3756fa3d-31c6-4c5b-9c66-bc0774eee583/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d442c8e6-f260-4178-851a-7d6d18a5e7e8/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dac71944-f41c-4b3a-a3de-93599ef02573/Listings+Pending+Sale+%28in+Contract%2C+Offer+Accepted%29.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e09817fd-f978-4ada-bd48-c93c894405fd/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/160783a8-c968-4f5b-9f00-bc83be468bf3/Slide23.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Houses, condos, co-ops, townhouses, TICs: Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/37bee159-025c-443f-9d70-73aacd72795a/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/39391d73-67b5-4a16-9974-0b0306e372f5/Mortgage+Interest+Rates%2C+Long-Term+Trends+since+1976.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/MORTGAGEOUS. Data from sources deemed reliable but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2d4a5b33-43d0-4008-8cc8-910c7f5af4b8/Inflation%3A+Consumer+Price+Index%2C+1982+-+2023.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling average of Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/graph/?g=8dGq. Data from U.S. Bureau of Labor Statistics. CPIAUCSL is a price index of a basket of goods and services paid by urban consumers. This particular index includes roughly 88 percent of the total population. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9ea802f2-6e22-4f6c-a119-dc21b0c622c5/S%26P+500+Stock+Index%2C+since+1994.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>*An approximate illustration only. January opening value data points except as noted in horizontal axis. Data from sources deemed reliable but may contain errors and subject to revision. Financial markets are prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d9bc3299-9936-40ab-b585-844bb8783c8a/San+Francisco+Bay+Area+Unemployment+Rates.JPG</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>Estimates per CA Employment Development Dept. (EDD). Data from sources deemed reliable, but may contain errors and subiect to revision. All numbers approximate. EDD often revises estimates in later reports.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5960e340-97a6-4108-8a66-47748ccfddc6/Federal+Funds+Interest+Rate+since+1981.jpg</image:loc>
      <image:title>Blog - August 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Per Federal Reserve Bank of St. Louis and New York; https://fred.stlouisfed.org/series/FEDFUNDS; Last reading per https://www.newyorkfed.org/markets/reference-rates/effr. Other data referenced from sources deemed reliable, but may contain errors and subject to revision. Commentary subject to disagreement.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/whats-going-on-with-home-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/86662a41-9642-4580-b9d1-06465c82f464/home-insurance.jpg</image:loc>
      <image:title>Blog - What’s Going on with Home Insurance? - Make it stand out</image:title>
      <image:caption>Photo by Adam Ashtamkar on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/summer-2023-sacramento-market-snapshot</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1691103237031-V6N5141EK5YSAYAMNQFG/image-asset.jpeg</image:loc>
      <image:title>Blog - Summer 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Photo by Stephen Leonardi on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/27b9163e-76ba-4dd7-af97-1d6cadd74cec/NEW-LISTINGS-THROUGH-JULY-2023-8-1-23.jpg</image:loc>
      <image:title>Blog - Summer 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Source: Ryan Lundquist, Sacramento Appraisal Blog</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/672e3f85-4eb6-4419-92f8-283814e1a98c/Average-by-week.jpeg</image:loc>
      <image:title>Blog - Summer 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4dc37c07-b1c0-4317-be2b-56ebfbe88a7b/Median-by-week.jpeg</image:loc>
      <image:title>Blog - Summer 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Source: Ryan Lundquist, Sacramento Appraisal Blog</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/36e392cb-41b3-4cfc-8a62-67bef8738876/pool-sales-in-region-2.jpg</image:loc>
      <image:title>Blog - Summer 2023 Sacramento Market Snapshot - Make it stand out</image:title>
      <image:caption>Source: Ryan Lundquist, Sacramento Appraisal Blog</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/eating-out-sacramento-area-meals-worth-the-trip</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/101702c2-c5e2-4864-8a4f-96ebe1e52938/Sacramento-Day-Trips.jpg</image:loc>
      <image:title>Blog - Sacramento Area Meals Worth the Trip - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/july-2023-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1dc26eac-f9cd-4a79-bb09-7730030a5f8c/fireworks-sf.jpg</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>July 4th Fireworks over SF Bay by Danny Li on Flickr. Used with permission.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2bd7f74a-1b90-4a55-94c3-78827b1923a7/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e5a2f7d0-9cb6-4b4f-bec6-e0e6d9dbf248/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ce27c0ff-4266-43c2-969f-9439e2d02883/San+Francisco+Home+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eb0343c4-5a80-43d2-8408-ec58b0b399a5/San+Francisco+HOUSE+Price+Trends.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b3b04ef2-dba6-48d6-be5c-e18adadda809/Slide9.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late reported sales. Quarterly and seasonal price fluctuations are common. Long-term trends are more meaningful than short-term changes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/792e29ad-3039-4765-a537-2339405b18aa/San+Francisco+CONDO+Price+Trends.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/878f0666-add6-425d-8e20-89c12a327631/San+Francisco+CONDO+Price+Trends.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>2 &amp; 3 bedroom condo sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late reported sales. Quarterly and seasonal fluctuations are common.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e2855626-2052-4159-975c-1cb93441defb/San+Francisco+Luxury+HOUSE+Market.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales and pending sales reported to NorCal MLS Alliance by 6/15/23 (plus a few media-reported non-MLS sales). Not all luxury home sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7523d41e-8d6b-4fe5-886e-0eec078396ad/San+Francisco+Luxury+Condo%2C+Co-op+%26+TIC+Market.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance by 6/15/23 + pending sales as of 6/15/23. Not all luxury home sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f726e33b-fe11-4aca-9f10-393c872ff1ac/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7406ee9f-f637-4917-b57f-f744e009801b/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2ae1c92a-8fdd-4829-ac3a-33a5e3550530/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/52816dda-d83c-491d-a805-d89460d02be2/San+Francisco+County+Population+Changes.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>*U.S. Census Vintage 2022 Estimates, published June 22, 2023. Data from sources deemed reliable, but may contain errors and subject to revision. These estimates are published with margins of error.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9b904b72-dc4a-427f-aa71-3e6db8c57c36/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b7ac472c-f68d-418c-80ff-9e6cb98af276/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c2f28c7-3411-4609-baed-143c0ced8f96/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fa3f0d56-a05f-42e7-b190-41600e8cda35/Listings+Pending+Sale+%28in+Contract%2C+Offer+Accepted%29.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b478d1ac-7b1e-4b28-b49e-ab6630bd33e2/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/da965103-a03b-4751-9cd6-42c3be4ae826/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/026157a1-2a7a-4cdd-b237-7c2ff3ebc2f8/Bay+Area+Ultra-Luxury+Market%3A+Homes+of+%2410+Million%2B.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 2023 active/coming-soon listings, residential sales + listings pending sale reported to NorCal MLS Alliance by 6/30/23. Not all luxury listings and sales are posted to or reported to MLS. Numbers may change with late reported sales. Some pending sale listings may not close sale. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/df828e26-25ad-4d8c-bfd3-25676da48b76/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8f20f494-08c5-4640-8e66-905fd774820c/Number+of+Housing+Units+Permitted+%283-Month+Moving+Average%29.JPG</image:loc>
      <image:title>Blog - July 2023 Market Report - Make it stand out</image:title>
      <image:caption>Chart from “Status of the San Francisco Economy: June 2023” as published by the Offices of the Controller and Economic Analysis, for the City &amp; County of San Francisco. Data source: U.S. Department of Housing &amp; Urban Development</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/should-you-rent-or-buy-heres-how-to-calculate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a049d560-1890-45b3-9ecb-14386e1fc8d5/torehan-sharman-OWL61qAmavE-unsplash.jpg</image:loc>
      <image:title>Blog - Should You Rent or Buy? Here’s What to Consider - Make it stand out</image:title>
      <image:caption>Photo by Torehan Sharman on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/86dfeb40-b9c3-4a01-b02e-de42d9316dd0/ahs-profile-of-owner-renter-2022.jpg</image:loc>
      <image:title>Blog - Should You Rent or Buy? Here’s What to Consider - Make it stand out</image:title>
      <image:caption>The above graphic comes from the Census article, Owning or Renting the American Dream, which contains a lot of interesting data on U.S. housing trends and statistics.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/june-2023-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b6feebc7-7921-48d8-9ef2-e923fa0c5258/June-2023-market-report.jpg</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Mark S on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e7fc0af5-bbd4-48a5-8a75-c17b1f5501c2/Slide3.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8450b8df-cfa4-41b4-ba8b-9e56df9d2a19/San+Francisco+HOUSE+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median house sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/03422e37-f11d-4aed-a1ed-93371935071f/San+Francisco+House+Sales+.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>6 months house sales reported to SFARMLS &amp; MLSLISTINGS through late May 2023, per Broker Metrics. Not all sales are reported. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4ffe9aaa-f861-41ea-a440-22fa39eb3c65/San+Francisco+CONDO+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ebd6a701-f3a5-4dc4-8626-78e94d405877/San+Francisco+CONDO+Value+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/da71c084-0c1d-40e2-a5df-fcb298fa6fe3/San+Francisco+Condo%2C+Co-op%2C+TIC+%26+Townhouse++Sales+.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>6 months condo, co-op, TIC and townhouse sales reported to SFAR MLS through late May 2023, per Broker Metrics. Not all sales are reported, including many new-project condo sales. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9bd3e01d-1f53-4e2a-a150-298539745d2b/San+Francisco+CONDO+Price+Trends%3A+Downtown+vs.+Non-Downtown.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>*6-month rolling median condo sales values reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. Does not include new-project sales unreported to MLS. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0e5abec5-3d8c-40a6-8eb7-d83cb6d3d871/New-Listing+%26+Home+Sales+Volumes%3A+Broad%2C+Longer-Term+Trends</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Each data point reflects total of 12 months of residential activity reported to NORCAL MLS® ALLIANCE, per Infosparks. 1/12 of these numbers = an average month within the 12 month period. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/27906d28-6e33-4043-bfe7-d1014215d3c3/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eba53dec-5c1c-41d6-b0e9-4c6f1a661f48/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c60e228-9250-4246-b56a-c329ac449265/San+Francisco%3A+Homes+for+Sale+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Active &amp; coming-soon listings posted to NorCal MLS Alliance. Not all listings are posted. Listing numbers change constantly. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f6b66374-3f2a-4ddd-b6f5-a517c4f1fd89/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f23a4599-3221-442c-bcc0-7cb5db97a2c0/Listings+Pending+Sale+%28in+Contract%2C+Offer+Accepted%29.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4dba2042-fffd-4285-92c3-c15b5ba836f7/Monthly+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/92f57d51-b03f-44a9-a24f-fa971a763475/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1be39e75-4493-4e20-8134-12030c728601/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/206761f5-652d-4f96-bac9-1661fed08f0e/Average+Days+on+Market+%E2%80%93+Speed+of+Sale.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cb28c816-26d2-47c3-ae02-d30204af8fb9/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d0d7bfd4-360e-477f-9b7c-4319613a6e08/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9bb162a5-7329-4d64-8ef9-70b8ada9e3de/Slide23.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance. Deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales. Different sources sometimes calculate median sales price differently.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6b03ed45-b629-41f2-b175-d4665d6a4967/Mortgage+Interest+Rates+since+February+2023.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Per https://www.mortgagenewsdaily.com/: "Rate offerings vary--sometimes substantially-from lender to lender. The index is expressed as an average." Data from sources demned reliable, but not guaranteed. Different sources of mortgage data vary in their determinations of daily and weekly rates. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0fb13ee5-d17e-4a29-a9a3-d819172d80d2/Housing+Units+Permitted+or+Completed+in+2022.JPG</image:loc>
      <image:title>Blog - June 2023 Market Report - Make it stand out</image:title>
      <image:caption>*https://www.hcd.ca.gov/planning-and-community-development/housing-open-data-tools/housing-element-implementation-and-apr-dashboard. All numbers approximate, may contain errors and subject to revision.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/meet-artist-douglas-gorney</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-14</lastmod>
    <image:image>
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      <image:title>Blog - Meet Artist Douglas Gorney - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4445864e-1dc1-4c18-968d-15231ce8d3b0/Alamo-Square.jpg</image:loc>
      <image:title>Blog - Meet Artist Douglas Gorney - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a21b9c64-2e84-4d00-a86a-e76c0cf13651/Palm-Springs.jpg</image:loc>
      <image:title>Blog - Meet Artist Douglas Gorney - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/cozy-potrero-hill-condo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-22</lastmod>
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      <image:title>Blog - SOLD! Cozy Potrero Hill Condo</image:title>
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      <image:title>Blog - SOLD! Cozy Potrero Hill Condo</image:title>
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      <image:title>Blog - SOLD! Cozy Potrero Hill Condo</image:title>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2023-05-10</lastmod>
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      <image:caption>Photo by Maria Ziegler on Unsplash</image:caption>
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      <image:title>Blog - Buy Now, Sell Later With a Bridge Loan - Make it stand out</image:title>
      <image:caption>Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. CrossCountry Mortgage, LLC. NMLS3029 (www.nmlsconsumeraccess.org). Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.</image:caption>
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    <lastmod>2023-05-09</lastmod>
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      <image:caption>Photo by Robert Forcadilla on Unsplash</image:caption>
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    <loc>https://www.prism-re.com/blog/demystifying-induction-cooktops</loc>
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    <lastmod>2023-05-09</lastmod>
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    <priority>0.5</priority>
    <lastmod>2023-05-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0dfefdbb-e443-46f6-a749-3e93a3355a4d/may-2023-market-report.jpg</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Koushik Chowdavarapu on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2773bd33-cb9b-42bd-8b22-99371bc48080/San+Francisco+House+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6cf01435-890f-426c-bc58-a543b51fec2c/San+Francisco+HOUSE+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance by early May 2023, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded to nearest full point. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e817adca-bc44-423d-8806-27503bd327d3/San+Francisco+Condo+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f22c2834-c196-4248-a11c-313fa46836a0/San+Francisco+CONDO+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance by early May 2023, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded to nearest full point. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1ef9f1cf-6a2e-4cb4-bcaa-7754e9f7f265/The+San+Francisco+Downtown+Condo+District.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median condo sales prices reported to NorCal MLS Alliance, per Infosparks Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/25641c73-78e4-4408-8ba2-eba045e03fe7/Slide11.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Active listings &amp; 12 months sales reported to NorCal MLS Alliance through late April. Median home sizes can vary widely between time periods. Within neighborhoods home sizes vary enormously. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bdcac54b-9da1-4633-b00c-d123c0b193b5/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3f2fd590-b9c5-47e0-8bb7-1922cfcebfc7/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/115266ee-fff8-4e61-8c76-343bf9ae878a/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b88277bf-5d54-4c41-98ea-e9a06782811a/Listings+Pending+Sale.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/39615ae0-916e-42a4-bfa1-cafe4d5014a4/Monthly+Sales+Volume.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b1348586-33aa-4ddc-a380-db65fb3dab0e/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/98f1cfba-57c3-4cd8-8e71-32806640a69a/Ultra-Luxury+Home+Sales%2C+%245+Million%2B.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Per residential sales reported to NorCal MLS Alliance for 10 Bay Area Counties, Napa to Monterey (excluding Solano), per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Last month estimated from data available early the following month. All numbers approximate, and may change with late-reported sales. Not all luxury sales are reported to MLS.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0ec79e3f-9e2d-47b9-b411-3144c4543339/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/71a618c7-3551-412d-8065-371c2b115e9b/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2ef43c8b-5f4b-44fc-9d2d-c104089dc706/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e875445d-a612-4a67-86dc-2027050ccce4/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - May 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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      <image:title>Blog - SOLD! Extensively Remodeled Corona Heights Bungalow</image:title>
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    <loc>https://www.prism-re.com/blog/april-2023-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fccc9ba8-79b9-4e10-9d5b-cf29bb2b1288/market-report.jpg</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Albert Dera on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/df42d8ef-33aa-410c-9cba-2d74ee8c8159/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c40b5435-d140-46c9-997a-91553aa82b35/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3024c957-33c2-43c9-9861-cbd4b591ee60/San+Francisco+Home+Value+Appreciation+.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance per Infosparks. Dollar per Square Foot is based upon interior living space and doesn’t include garages, attics, basements, rooms built without permit, decks or patios. Not all sales report square footage. All numbers are approximate and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4e1190f5-3ae1-4043-aa09-9f621c3dc812/Mortgage+Interest+Rates%2C+2022+-+2023+YTD.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Freddie Mac (FHLMC), 30-Year Fixed Rate Mortgage Weekly Average: https://www.freddiemac.com/pmms. Data from sources deemed reliable. Different sources of mortgage data sometimes vary in their determinations of daily and weekly rates. Data from sources deemed reliable, but may contain errors. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f4f7c3cd-7b31-4b6a-b8f2-fcdfdb7384a4/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9c5a3fd0-8fdf-466a-986d-266b06251c10/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cdb296da-f85c-4bda-b51a-664ed98b3bb4/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a33ec68e-686b-4cc6-9b09-cbb8565c0865/Listings+Pending+Sale.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f130f4eb-072f-480b-b9a8-106dc4e03203/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>* SFARMLS reported data, per Broker Metrics. Last month’s data estimated using available data, may change with late reported activity. Does not include new-project condo activity not reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/17695e48-c483-4817-b254-7b5727ccd0f7/Monthly+Sales+Volume.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e003ddf6-7a2a-4faa-aae6-c87c635b0389/Slide14.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5af2600f-5e0c-488e-b5e8-e6807b3e0ccb/Ultra-Luxury+Home+Sales.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Per residential sales reported to NorCal MLS Alliance for 10 Bay Area Counties, Napa to Monterey (excluding Solano), per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Last month estimated from data available early the following month. All numbers approximate, and may change with late-reported sales. Not all luxury sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/29d3c4af-a694-49b4-9177-3764f6ee8335/Slide19.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/944ad0b3-1f56-43c0-9d5c-2e29d3f4d37e/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8a0e6def-0430-4fe0-b2f1-98c54a7ea598/Slide21.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/abeb0466-a50e-4b56-9b8d-630f74429d02/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/37cc3003-c6b1-463e-b5d3-db425992856e/Slide23.JPG</image:loc>
      <image:title>Blog - April 2023 Market Report - Make it stand out</image:title>
      <image:caption>Source: U.S. Census Bureau, Vintage 2022 Population Estimates.</image:caption>
    </image:image>
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    <lastmod>2023-04-04</lastmod>
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      <image:caption>Saint Mary’s Cathedral towers over residences in the Western Addition. Photo by Sean Timberlake.</image:caption>
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      <image:title>Blog - SOLD! Spacious Contemporary Home</image:title>
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      <image:title>Blog - SOLD! Spacious Contemporary Home</image:title>
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      <image:title>Blog - SOLD! Spacious Contemporary Home</image:title>
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      <image:title>Blog - SOLD! Spacious Contemporary Home</image:title>
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      <image:title>Blog - SOLD! Spacious Contemporary Home</image:title>
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      <image:title>Blog - SOLD! Spacious Contemporary Home</image:title>
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    <loc>https://www.prism-re.com/blog/get-up-to-20-down-payment-assistance</loc>
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    <lastmod>2023-03-27</lastmod>
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      <image:title>Blog - Get up to 20% Down Payment Assistance - Make it stand out</image:title>
      <image:caption>Photo by Surface on Unsplash</image:caption>
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      <image:title>Blog - Get up to 20% Down Payment Assistance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/march-2023-market-report</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/21c7ed0e-b701-40b7-b848-f8e1d19edb88/march-2023-market-report.jpg</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Tim Gouw on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5d8af070-9e07-4300-b065-eaf7e5480a4b/Mortgage+Interest+Rates%2C+Long-Term+Trends+since+1976.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States [MORTGAGE30US], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/MORTGAGE30US. Data from sources deemed reliable but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d3471a5a-2332-46fa-bf71-6b1864de77f8/San+Francisco+House+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or 3-month rolling median per NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7711d9ab-f5d8-4cfd-ac1e-474bf90ad723/San+Francisco+Year-over-Year+HOUSE+Appreciation+Rates+since+2020.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded to near full percentage point. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3643d42f-da8b-48ad-b186-6be3355a90e0/San+Francisco+Condo+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median 2-bedroom condo sales prices reported to NorCal MLS Alliance, per Infosparks. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/65fcc2b6-271d-489a-a0aa-e196263302ce/San+Francisco+Year-over-Year+2-BR+CONDO+Appreciation+Rates+since+2020.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/679c955a-3ef1-496d-9efb-fe031048c1b6/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming-soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/15631d94-09e4-4fc1-a27a-7a210d63666b/New+Listings+Coming+on+Market%3A+Broad%2C+Long-Term+Trends.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Each data point reflects the TOTAL of 12 months of activity for “all attached/detached” homes. 1/12 of these numbers = an average month within the 12 month period. New listings reported to NorCal MLS Alliance, per Infosparks. Not all new listings are posted to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. Numbers are approximate and are meant to illustrate broad trends.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/64e32a4f-1411-41ad-8372-f7e12917e043/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/40843c4c-25f4-435f-9e77-ea8c43666189/Listings+Accepting+Offers-+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6bff847f-0c25-4905-b6c0-4bf9d2c03804/Percentage+of+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>* SFARMLS reported data, per Broker Metrics. Last month’s data estimated using available data, may change with late reported activity. Does not include new-project condo activity not reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5480d369-6378-4e72-8faa-33f9e0d78954/Monthly+Sales+Volume.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales of houses, condos, townhouses reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated based on available information and may change with late reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1aaa9d0f-2ea8-41d7-b3ac-f1b4d3810570/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d20d61a6-bfb9-4a8c-bbf7-bee632fb130c/San+Francisco+Long-Term+Luxury+Home+Sales+Trends.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 6-month rolling sales data as reported to NorCal MLS Alliance, per Infosparks. “Condo &amp; Co-op” sales include TIC and townhouse sales. Numbers may change with late reported sales. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS, including some new-project luxury condo sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/85b80e95-3281-48a6-97e8-2f4295af638c/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c9cd02c4-22e2-4116-95ab-4dcd9a436dd5/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/41f4d1c1-ea26-4dbf-8bce-ab9e6adf0fff/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f12f37d8-8508-4604-bd2a-6cfb9f066658/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - March 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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    <loc>https://www.prism-re.com/blog/crab-avocado-and-grapefruit-salad-recipe</loc>
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    <lastmod>2023-03-10</lastmod>
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      <image:title>Blog - Crab, Avocado, and Grapefruit Salad Recipe - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/february-2023-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f8c4e036-82ca-4fea-bdaa-ae2b5baafa37/February-2023-market-report.jpg</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Bernadette Gatsby on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8ac280aa-c397-4a30-88b7-311eeea2e135/Mortgage+Interest+Rates%2C+2022+-+2023+YTD.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>2-month moving trend line. Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States, retrieved from Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/MORTGAGE30US. Data from sources deemed reliable but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e2f48585-75b7-4cb2-a8b8-ea69789e1f50/Financial+Markets+since+2022+Began.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Last reading, end of day 2/3/23. Data per MarketWatch.com, daily closing prices. Data from source deemed reliable, but may contain errors and subject to revision. Financial market values change constantly and all numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c5375408-0e4f-4a12-803c-5e45061fd40f/San+Francisco+House+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2774a80c-4b7e-4783-9756-f3fc938a60c2/San+Francisco+House+Price+Trends+%E2%80%93+by+Bedroom+Count.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded. All numbers are approximate, and may change with late reported sales. Quarterly sales volumes can fluctuate, affecting median sales price calculations.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a59a344f-3f1a-45f9-a246-bfe697f46b05/San+Francisco+2%2B+Bedroom+House+Sales.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>6 months SFARMLS sales through late January 2023, per Broker Metrics. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and change constantly as new activity is reported.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2ed1b645-e33b-4403-8187-cd6d392f41d7/San+Francisco+Luxury+HOUSE+Market.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance through late January 2023 (plus a few media-reported sales). Not all luxury home sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c43a1684-44ef-4941-8828-7bd39e79cb58/Slide11.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to local MLS Associations, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e7d630f3-5f13-408e-a0cc-a207bec78166/San+Francisco+Condo+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median 2-bedroom condo sales prices reported to NorCal MLS Alliance, per Infosparks. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/78d89836-e020-4044-969f-0d7b19b9e4f8/Slide14.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded. All numbers are approximate, and may change with late reported sales. Quarterly sales volumes can fluctuate, affecting median sales price calculations.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/db9f28a5-e742-4f6a-8f90-24861488a783/San+Francisco+1%2B+Bedroom+Condo%2C+Co-op%2C+Townhouse%2C+TIC+Sales.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>6 months SFARMLS sales through late January 2023, per Broker Metrics. Does not include new-project condo sales unreported to MLS. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and change constantly as new activity is reported.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cfa8c296-f161-47d6-8310-241cdd085a45/San+Francisco+Luxury+Condo%2C+Co-op+%26+TIC+Market.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance through late January 2023. Not all sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4dae6050-b49f-40bc-8619-c07899ee785d/Market+Demand+by+Price+Segment.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Residential activity reported to local MLS Associations, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late reported activity. Does not include new-project condo listings and sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bdab9d81-1c52-4115-aaac-a4101e4ac655/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e4c1dd94-d841-4757-ad29-2e364e9d7de2/Active+%26+Coming-Soon+Listings+on+1st+of+Month.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/60267d00-233c-4b74-a888-226ab61a5059/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, house and condo listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dfa75ece-8da2-4964-b0af-bccfd4f95c66/Listings+Accepting+Offers+%E2%80%94+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/880232c6-d74a-4572-92c8-88856c13df93/Monthly+Sales+Volume+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on data available early the next month, and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8d1aff26-a8ed-46e9-8f40-48ba0386a05f/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c5775ad0-7141-49db-a1fd-591624d220ca/Ultra-Luxury+Home+Sales%2C+%245+Million%2B.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Per residential sales reported to NorCal MLS Alliance for 10 Bay Area Counties, Napa to Monterey (excluding Solano), per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Last month estimated from data available early the following month. All numbers approximate, and may change with late-reported sales. Not all luxury sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c8373c18-9027-4d50-8e9b-ff7ee9ff4277/Listings+Expired+or+Withdrawn+from+Market.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, townhouse activity reported to SFARMLS, per Broker Metrics. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Reliable January 2023 data not yet available.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2b17f4ee-a61d-4d23-b330-4a95fcaf1e39/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/707d721b-bc5d-4044-9d1b-c9d5d391e301/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c2c92898-4d64-4266-8775-21c249911b45/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/94e26b87-f815-4bfe-bb0b-9729694066fa/Average+Days+on+Market+%E2%80%93+Sold+Listings.JPG</image:loc>
      <image:title>Blog - February 2023 Market Report - Make it stand out</image:title>
      <image:caption>2-month-period trend lines: Sales reported to NorCal MLS Alliance, per Infosparks. “Condos” include co-op and TIC sales. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/2022-in-review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/949ffc1c-4d65-488c-b079-2eff1040b6e0/2022_review.jpg</image:loc>
      <image:title>Blog - 2022 in Review - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/january-2023-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/651b8a1c-f3f3-443b-986e-3d261e7c78c8/jan-23-market-report.jpg</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Robert Bye on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1c9f0d37-589f-4dbc-aa16-75349df37893/San+Francisco+House+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per CA. Association of Realtors or NorCal MLS Alliance. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2731e3a9-a453-4d76-aca1-33403dd0ac66/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ff88d2bf-78a0-475f-8ce4-dd46fc9934eb/San+Francisco+Home+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per sales reported to NorCal MLS Alliance. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/41fa44cb-7cf7-41df-9d12-4353953e3bfb/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/88033526-ea68-472d-a3da-88e524c46ee7/San+Francisco+Home+Value+Appreciation.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance per Infosparks. Dollar per Square Foot is based upon interior living space and doesn’t include garages, attics, basements, rooms built without permit, decks or patios. Not all sales report square footage. All numbers are approximate and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/491cafb8-4817-4af0-9b7a-f19721f1c37b/Home+Sales+Volumes%2C+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Each data point reflects the total of 12 months of activity for houses, condos, co-ops, TICs and townhouses. 1/12 of these numbers = an average month within the 12 month period. Sales reported to NORCAL MLS® ALLIANCE, per Infosparks. Does not include new-project condo sales unreported to MLS. Last month estimated from data available in early January 2023. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/16f4322f-e251-44b9-baf0-2a8d3a1d4f26/Monthly+Sales+Volume+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on data available early the next month, and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/44458fed-24c4-473f-a7b9-a839a4aff8b0/San+Francisco+Higher-Price+Home+Sales+since+2018.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Condos include co-op, townhouse, TIC sales. Not all sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. Last period estimated based on data available early in following month. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/17e02e47-ec5d-4aff-bec7-69ceadd9713a/San+Francisco+Residential+Sales.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>12 months sales reported to NorCal MLS Alliance through late December 2022, plus a rough estimate of new-project condo sales not reported to MLS. Based upon data sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/896f05ea-a89a-4a5d-ae80-5a9fd3e3a12c/Slide13.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b65b4730-8189-42d1-948b-ee0d99ebd290/Slide14.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7e76affd-823d-4283-8b36-b24cff0b2dbe/Slide15.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/644c17d4-48ca-4b5f-900e-1c6299e1c58b/Percentage+of+Listings+Accepting+Offers+%28Absorption+Rate%29+San+Francisco+Market+Dynamics+%26+Seasonality%2C+by+Quarter.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to SFARMLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity. Does not include new-project condo activity unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e21b75a7-2ad7-4bc9-8ceb-1b8cdda504be/Percentage+of+Sales+Selling+Over+List+Price.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f036ed08-4596-438f-b957-6b84bdfd0eb2/Avg.+Sales+Price+to+Original+List+Price+Percentage+%28SP%2FLP+%25%29+.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0a14086a-8a0d-46ce-b6fc-d864e282082d/Average+Days+on+Market+by+Quarter.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/10d8db85-4056-4198-bf0d-5e77adea6fa7/Mortgage+Interest+Rates%2C+Long-Term+Trends+since+1976.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States [MORTGAGE30US], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/MORTGAGE30US. Data from sources deemed reliable but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fa506ede-36a6-4b6a-9252-4a160d70c5a3/S%26P+500+Stock+Index%2C+since+1994.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>*Last reading, end of day, 12/30/22. An approximate illustration only. January opening value data points except as noted in horizontal axis. Data from sources deemed reliable but may contain errors and subject to revision. Financial markets are prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2e4111bc-3f48-4749-83a2-f9a68b095b9d/Nasdaq+Composite+Index.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Per Yahoo Finance historical weekly data download. Because of number of data points, not every week has a separate column. Data from sources deemed reliable, but may contain errors and subject to revision. For general illustration purposes only.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2bcbfa27-b8c5-4fa5-8944-49b2b02ed3d5/Inflation%3A+Consumer+Price+Index%2C+1982+%E2%80%93+2022.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling average of Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/graph/?g=8dGq, December 16, 2022. Data from U.S. Bureau of Labor Statistics. All Items (CPIAUCSL) is a price index of a basket of goods and services paid by urban consumers. This particular index includes roughly 88 percent of the total population. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/255f9346-f9f1-4793-9afe-920399c545f6/San+Francisco+Bay+Area+Unemployment+Rates.JPG</image:loc>
      <image:title>Blog - January 2023 Market Report - Make it stand out</image:title>
      <image:caption>Estimates per CA Employment Development Dept. (EDD). Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. EDD often revises estimates in later reports.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sold-chic-mission-flat</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1671661634576-NC88HB0QI7ZTE6I6FCPM/1500x1000%2824%29.jpg</image:loc>
      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Flat</image:title>
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      <image:title>Blog - Kicking Off the Holidays in Style</image:title>
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      <image:title>Blog - Kicking Off the Holidays in Style</image:title>
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      <image:title>Blog - Kicking Off the Holidays in Style</image:title>
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      <image:title>Blog - Kicking Off the Holidays in Style</image:title>
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      <image:title>Blog - Kicking Off the Holidays in Style</image:title>
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    <lastmod>2022-12-13</lastmod>
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      <image:title>Blog - Holiday and New Year’s Eve Events in San Francisco - Make it stand out</image:title>
      <image:caption>Photo: Dance-Along Nutcracker</image:caption>
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    <loc>https://www.prism-re.com/blog/december-2022-market-report</loc>
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    <lastmod>2022-12-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f673ea53-70fb-48cd-98a8-7b1205e2d8e3/market-report-12-22.jpg</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Cedric Letsch on Unsplash</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/beec35d3-5596-4b45-a7c6-e6bedfa5ff59/San+Francisco+House+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eefec7d1-1768-479c-b5ba-10bd5749c31c/San+Francisco+Year-over-Year+Appreciation+Rates+since+1990.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to MLS: year-over-year median house sales price appreciation rates, per CA Association of Realtors historical survey. 2022 YTD data per NorCal MLS Alliance, per Infosparks. All numbers approximate, may contain errors and subject to revision. Past performance is not a guarantee of future results.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/149d243b-d88f-4804-b9be-95b9e54a8c10/San+Francisco+House+Market.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>*House sales reported to NorCal MLS Alliance by 11/25/22. Not all sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1346ad2e-c851-4ca5-a65d-dbe46994caf1/San+Francisco+Condo+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling median 2-bedroom condo sales prices reported to NorCal MLS Alliance, per Infosparks. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f097a86e-d9e9-40af-9250-c6d01f1d7c90/San+Francisco+Year-over-Year+Appreciation+Rates+since+1990.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance, per SFARMLS statistics or Infosparks. All numbers approximate, may contain errors and subject to revision. Does not include new-project condo sales unreported to MLS. Past performance is not a guarantee of future results. How this chart applies to any particular property is unknown without a specific comparative market analysis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4880cd4b-85df-499c-93e8-c0d290c6d1df/San+Francisco+Condo%2C+Co-op%2C+Townhouse+%26+TIC+Market.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance by 11/25/22. Many new-project condo sales are not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2ffd3d63-e860-45b8-8bc7-23a5f86a2649/Monthly+Sales+Volume+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on data available early the next month, and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b4fee3b4-e8cc-4122-aced-f73d30700697/Slide13.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e9c76f5c-1911-4be5-aa24-a5ee6cce4f0d/Luxury+Home+Sales%2C+%245+Million%2B.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Per residential sales reported to NorCal MLS Alliance for 10 Bay Area Counties, Napa to Monterey (excluding Solano), per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales. Not all luxury sales are reported to MLS.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3dbffc83-2223-4289-b5e8-0719037ef4fb/Percentage+of+All-Cash+Home+Purchases.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Data provided in November 2022 by the CA Association of Realtors (CAR), exact methodology not delineated. All numbers approximate, may contain errors and subject to revision. Percentages rounded to nearest full percentage point. The “Bay Area” includes 9 counties from Napa to Santa Clara.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cb619169-3393-4655-8e2e-b40f8e77ef6a/San+Francisco+County+Housing.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Per U.S. Census, 2021 ACS 1-year estimates, “Physical Characteristics of Occupied Housing Units.” Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9f7c9864-b53c-4361-ba41-ab771f267627/San+Francisco+House+Size+by+Era+of+Construction.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Analysis of 2018-2022 house sales reported to NorCal MLS Alliance. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Median house sizes vary widely between different neighborhoods.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/983e214e-6f86-4bc1-beac-b9e14ef726b5/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/513eb47b-e14b-4406-9be9-e7fa298c4f49/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/05c293ab-43e8-4c44-ae02-254ae277fd5e/Average+Days+on+Market+%E2%80%93+Sold+Listings.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>2-month-period trend lines: Sales reported to NorCal MLS Alliance, per Infosparks. “Condos” include co-op and TIC sales. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/19f5c037-0004-4d11-b921-c59a444d9728/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8525cf87-2c40-477b-acbb-4be2a1c9091f/Listings+Accepting+Offers-+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/87ccdc30-96c0-467c-b8de-94c6266073ce/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/34a0791d-e1fa-4f49-97e4-8546fde865d4/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f067d010-4302-463b-b0a4-4fffd2e066dc/Slide25.JPG</image:loc>
      <image:title>Blog - December 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
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    <lastmod>2023-05-03</lastmod>
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      <image:title>Blog - SOLD! Homey Mid-century Ranch</image:title>
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      <image:title>Blog - SOLD! Homey Mid-century Ranch</image:title>
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    <lastmod>2022-11-16</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/15b2aa7a-5fa0-457a-bf12-536316f2ec24/San+Francisco+House+Price+Trends+since+1990.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average of monthly median sales prices for “existing” houses, per CA Association of Realtors or NorCal MLS Alliance. 2-period moving trend line. Analysis may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/01b515f3-ff0c-47bf-9063-126a8725d366/San+Francisco+Condo+Price+Trends+since+2005.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e08755e3-d94f-437e-995b-a240d174188e/Monthly+Sales+Volume.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>*House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4857074d-32ca-4081-9786-d371a24dcb5c/Monthly+Sales+Volume.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on data available early the next month, and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/92d50687-9043-4fe0-85b5-4ac7b70b1d3b/Higher-Price+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a5404fbb-b968-41ee-bd2f-be2b342066cb/San+Francisco+Higher-Price+Home+Sales+.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b2bf7c4f-7e38-4630-b1a4-2f0d3a0a132f/Luxury+Home+Sales%2C+%245+Million%2B.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Per residential sales reported to NorCal MLS Alliance for 10 Bay Area Counties, Napa to Monterey (excluding Solano), per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales. Not all luxury sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3662c7e7-a29f-4c01-b09f-402a7e2383ad/Mortgage+Interest+Rates%2C+Long-Term+Trends+since+1976.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States [MORTGAGE30US], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/MORTGAGE30US. Data from sources deemed reliable but not guaranteed. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/64467137-614a-42ce-bfe7-3fefeeb1ee52/months-supply-of-inventory.jpg</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling average monthly data for transactions reported to SFAR MLS, per Broker Metrics. Will not include new-project condo activity unreported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers very approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f4642a6d-e6b6-48c4-b4cb-061d0c9e78e0/MSI-by-price-segment.jpg</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Analysis of NorCal MLS Alliance active and coming-soon listings vs. the approximate rate of sales as of 11/1/22. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and change constantly with market activity. Not all listings and sales are posted to MLS.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/968b90c2-0314-4db3-be91-46c929b4c420/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2ac26d69-6867-49e6-a289-2358d7d575e2/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c3f76a1-f287-4ea8-b3d8-7be799b4d869/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. May not include coming-soon listings. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a3fa261e-1aaa-4c9d-b2b4-3e3949a959a7/Slide16.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b6608fe3-e3ca-4520-adf4-88f7223eb0a9/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c269c772-080b-48aa-a06e-d9494804534d/Listings+Expired%2FWithdrawn+Without+Selling.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>*As reported for 11 Bay Area Counties, per Broker Metrics. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9ca394d6-9c3c-4f98-b261-d4bf9e9ceb46/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/757b6a75-0248-4b51-91cf-2c50db13532c/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eb0c97f3-3a5b-47f8-a506-aa3581df0cca/Average+Days+on+Market+%E2%80%93+Sold+Listings.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>2-month-period trend lines: Sales reported to NorCal MLS Alliance, per Infosparks. “Condos” include co-op and TIC sales. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f032e81d-f428-4055-aed1-706d2e901973/Average+Days+on+Market+for+Active+Listings.JPG</image:loc>
      <image:title>Blog - November 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Cumulative days-on-market analysis of NorCal MLS Alliance active listings with days on market of 3 to 200 days as of 11/2/22. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and change constantly with market activity.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sold-hayes-valley-loft-charmer</loc>
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    <lastmod>2024-01-10</lastmod>
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    <loc>https://www.prism-re.com/blog/lower-mortgage-rates-buydown-program</loc>
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    <lastmod>2022-11-07</lastmod>
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      <image:title>Blog - Spooked by Rising Rates? Here’s a Way to Lower Them - Make it stand out</image:title>
      <image:caption>Photo by Jordi Vich Navarro on Unsplash</image:caption>
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      <image:title>Blog - Spooked by Rising Rates? Here’s a Way to Lower Them - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/sold-chic-mission-dolores-edwardian-flat</loc>
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      <image:title>Blog - SOLD! Chic Mission Dolores Edwardian Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Dolores Edwardian Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Dolores Edwardian Flat</image:title>
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      <image:title>Blog - SOLD! Chic Mission Dolores Edwardian Flat</image:title>
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    <lastmod>2024-01-10</lastmod>
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  <url>
    <loc>https://www.prism-re.com/blog/october-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/77488b08-73cc-4204-bc06-d2d07f1dc91a/fall-produce-castro</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Kellen Riggin on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cf00c735-231d-46b5-9d39-c6cb38698513/Delinquency-rates.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Delinquency Rate on Single-Family Residential Mortgages, Domestic Offices, All Commercial Banks], per Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/DRSFRMACBS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers to be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/dd5f44c3-9c6f-47e7-a442-e733078138c0/San+Francisco+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0290f904-ee39-4960-a057-e96f6c737457/Year-over-Year+House+Appreciation+Rates+since+2020.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance. Median sales prices can be affected by a variety of factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e8b94b4f-3252-444a-986f-3a7a418d00c8/San+Francisco+Condo+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bdf025aa-264e-431f-ad07-ddaa3471a45a/Year-over-Year+Condo+Appreciation+Rates+since+2020.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance. Will not included new-project condo sales unreported to MLS. Median sales prices can be affected by a variety of factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4552dfdc-90a1-4a9a-90cb-cba44efaf5cd/Slide8.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/148cbd44-975c-4a2c-bd2a-57d399ff070c/Slide9.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late reported sales. Quarterly sales volumes can fluctuate, affecting median sales price calculations.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cf74871e-3ad5-4c06-9c1c-e4768bfd67fb/House+Price+Trends+%E2%80%93+by+Bedroom+Count.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/78c349f3-6146-4d4e-a79e-f57c2275f654/Condo+Price+Trends+%E2%80%93+by+Bedroom+Count.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Percentages rounded. All numbers are approximate, and may change with late reported sales. Quarterly sales volumes can fluctuate, affecting median sales price calculations.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9ede9ec3-7bf2-4e8b-97be-9abe862fe257/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, residential listings database: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9ecb5e3b-438f-415d-899c-f70ba2707226/Active+%26+Coming-Soon+Listings.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Houses, condos, co-ops, TICs, townhouses: Active/Coming-Soon listings posted to NorCal MLS Alliance. Does not include new-project condos not listed on MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The # of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f5d19612-3885-4958-a60f-9ab993e7d355/Active+Listings+on+Market.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3ecea509-2a55-4add-8ba0-b2aafdd2bdba/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f1593b97-9f86-4f18-95cc-a87fdd29e820/San+Francisco+Home+Sales+by+Quarter.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Not all sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1c9db699-2556-4187-b8ea-216700dbf9a8/Monthly+Sales+Volume+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on data available early the next month, and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f320abee-185b-4056-b33a-8dba0afd112e/Sales+of+Priced+Reduced+Listings.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential sales reported to SFARMLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e0542cef-bf63-4e54-9bc7-ca8540dc816a/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, residential listings database: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ca9bd448-9fcf-4737-b80e-9f1a4749796f/Higher-Price+Home+Sales+.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Condos include co-op, townhouse, TIC sales. Not all sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/54f92076-64fa-4c92-b7fb-07ae0c72e57b/Luxury+House+Market.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance through 9/20/22 (plus a few media-reported sales). Not all luxury home sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e7f9155d-320b-4c66-9b6e-7046eafa71bb/Luxury+Condo%2C+Co-op%2C+Townhouse+%26+TIC+Market.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance through 9/20/22. Not all sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2f381b28-f8f7-447f-b148-ebac9faf7eb3/Absorption+Rate.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to SFARMLS, per Broker Metrics. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity. Does not include new-project condo activity unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b61f028a-2520-463c-b0f9-a870e3b66696/Percentage+of+Sales+Selling+Over+List+Price.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/963121bb-e8cc-4055-8d86-81dc09def8ed/SP%2FLP+%25.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8810cd9b-0942-4d7e-a84f-ccef224dba7c/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - October 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
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      <image:title>Blog - SOLD! Elegant Victorian Mission Duplex - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - SOLD! Spacious SoMa Loft</image:title>
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      <image:title>Blog - SOLD! Spacious SoMa Loft</image:title>
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  <url>
    <loc>https://www.prism-re.com/blog/what-is-a-counteroffer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/96e9631f-e6db-4360-abcf-fe4a5d1b5e3e/counteroffer.png</image:loc>
      <image:title>Blog - What Is a Counteroffer? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/get-to-know-south-of-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-15</lastmod>
    <image:image>
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      <image:title>Blog - Get to Know: South of Market - Make it stand out</image:title>
      <image:caption>Golden hour on the Boyd Building, 944 Folsom Street.</image:caption>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/september-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1662580439890-H5R3SZK2NZ7X6LG6MBHG/unsplash-image-modQ3OYyR3o.jpg</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Hot enough for ya? Photo by Mattia Bericchia on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/aa4cbfe9-340c-4b1c-a70f-fb4e09690902/San+Francisco+Median+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. All numbers are approximate and subject to revision. Last month price calculated early in the following month and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/735f80a4-9d13-4074-b902-5954c1badfcf/San+Francisco+Year-over-Year+House+Appreciation+Rates+since+2020.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a22d5a0b-f761-4eed-bf52-300a24ca6b41/San+Francisco+Median+Condo+Price+Trends.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. All numbers are approximate and subject to revision. Last month price calculated early in the following month and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fd953e20-8661-4362-9350-4de7c2e1b52c/San+Francisco+Year-over-Year+Condo+Appreciation+Rates+since+2020.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/cecc7808-08c6-4a33-b31d-d641aaba37a6/San+Francisco+Residential+Market.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>*12 months sales reported to NorCal MLS Alliance through 7/31/22. “Condo Sales” include a relatively small number of sales designated as “townhouses.” Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c0b47858-26b3-4a42-926f-cde77f15b9d3/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/595748b9-8318-4089-a47a-cec36ae2c627/New+Listings+Coming+on+Market.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2fb27ea7-edc4-499d-9ad0-89cedf80f998/Active+Listings+San+Francisco+Market%3A+Year-over-Year+Comparison.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f45e3125-c18e-4483-a850-bf1963fca15f/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4ac5a130-0013-46dc-8324-9cc32ef3d850/Listings+Accepting+Offers+%28Going+into+Contract%29+.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6843ab63-2a7f-4267-8466-aee250d6359e/Listings+Accepting+Offers%3A+Longer-Term+Trends+.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5747dc23-8274-41b0-b039-30eb1a0c9385/Price+Reductions+on+Active+Listings.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a630eabe-40ac-4ee2-af0c-50bb366b6d30/Price+Reductions+on+Active+Listings.jpg</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted to site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f1a2e69d-aa2f-490f-890a-fb072541e56a/Monthly+Sales+Volume.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>*House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/24a7c688-3231-4ed3-b2a7-e372312b741e/Monthly+Sales+Volume+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on data available early the next month, and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/835ca533-de17-4bb6-aa7d-554f0cbc5270/Higher-Price+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b35c6e6c-95a1-4bf7-ba9d-eb8125b40c6a/San+Francisco+Higher-Price+Home+Sales+.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4093c8dd-8e63-4baa-a4ad-a48ec6462b7a/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/2ccabc9f-72bb-42b1-8510-1a82be99628d/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3c7c98f3-f648-4dcf-9eb4-8a672d8ce6cd/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - September 2022 Market Report - Make it stand out</image:title>
      <image:caption>2-month-period trend lines: Sales reported to NorCal MLS Alliance, per Infosparks. “Condos” include co-op and TIC sales. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/9-reasons-why-now-is-a-good-time-to-buy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1660332118211-BYHMWK4UUIMGY9MIUWTP/unsplash-image-M3itYJP_jMc.jpg</image:loc>
      <image:title>Blog - 9 Reasons Why Now Is a Good Time to Buy - Make it stand out</image:title>
      <image:caption>Photo by Jose Rago on Unsplash</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/27992191-5a4c-4a15-a55e-ff27b98e7a90/interest-rates-1985.jpg</image:loc>
      <image:title>Blog - 9 Reasons Why Now Is a Good Time to Buy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/august-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1660238255282-QWXIA4G29V019FKQSXSK/unsplash-image-mALc89y-BKQ.jpg</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Welcome to Fogust. Photo by Rodrigo MorCal on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/12a53154-f976-4043-a028-63f62a04d56e/San+Francisco+Median+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. All numbers are approximate and subject to revision. Last month price calculated early in the following month and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9a3ef8a2-578e-4794-b8d5-b9830d941a19/San+Francisco+Year-over-Year+Appreciation+Rates+since+2020.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance, per Infosparks. Median sales prices can be affected by a variety of factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d5d5ca1f-20d9-4d6c-a756-3c57d42f22d0/San+Francisco+Year-over-Year+Appreciation+Rates+since+1990.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to MLS: year-over-year median house sales price appreciation rates, per CA Association of Realtors historical survey. 2022 YTD data per NorCal MLS Alliance, per Infosparks. All numbers approximate, may contain errors and subject to revision. Past performance is not a guarantee of future results.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/6c30d2e1-27dd-4456-90aa-c882c980a4ea/San+Francisco+House+Market+May+%E2%80%93+July+2022.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>*House sales of 2 or more bedrooms reported to NorCal MLS Alliance by 7/25/22. Not all sales are reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/54067eb0-783a-4285-bbd4-27dd0d286950/San+Francisco+Median+Condo+Price+Trends.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. All numbers are approximate and subject to revision. Last month price calculated early in the following month and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7ac7782a-e6c5-4384-9d4e-8c521d2353cc/San+Francisco+Year-over-Year+Appreciation+Rates+since+1990+Y-o-Y+Percentage+Change+in+Annual+Median+CONDO+Sales+Price.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance, per SFARMLS statistics or Infosparks. All numbers approximate, may contain errors and subject to revision. Does not include new-project condo sales unreported to MLS. Past performance is not a guarantee of future results. How this chart applies to any particular property is unknown without a specific comparative market analysis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/46b6f96f-81a2-4073-8f9a-b3035c981137/Slide9.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance by 7/25/22. Many new-project condo sales are not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b02b0099-00bc-4e56-aec9-6e5114fc157f/New+Listings+Coming+on+Market++San+Francisco+Market+Seasonality.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8d39ee89-cc4b-4fbd-9e30-b5f35d331dc5/Active+Listings+San+Francisco+Market%3A+Year-over-Year+Comparison.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3ab4296e-cfae-446f-9d4e-ee7eb3ecb567/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends+San+Francisco+Real+Estate+Market+Dynamics+%26+Seasonality.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f1afcd2a-9e51-495e-ad6d-1122e439b2ea/Price+Reductions+on+Active+Listings++San+Francisco+Market+Dynamics%3A+Year-over-Year+Comparison.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3c1c6dfa-4672-4b38-8e3c-4684a1ffc111/Monthly+Sales+Volume*++San+Francisco+Market+Dynamics%3A+Year-over-Year+Comparison.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>*House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7a208502-13e7-4d12-8c46-c46a8a49b338/Monthly+Sales+Volume+%E2%80%93+Longer-Term+Trends+San+Francisco+Market+Dynamics+%26+Seasonality.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on data available early the next month, and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/92dc4c65-2111-4bfa-aae5-a681a35a7002/Listings+Accepting+Offers+%28Going+into+Contract%29++San+Francisco+Market+Dynamics%3A+Year-over-Year+Comparison.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a0168b11-836f-450c-8198-b1359062e76d/Listings+Accepting+Offers-+Longer-Term+Trends+.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity. House, condo, co-op, TIC, townhouse activity reported to NorCal MLS Alliance, per Infosparks</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/55449966-3e1f-4a91-a121-c86c2b9f91d4/Higher-Price+Home+Sales+Volume+.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ef233961-54c3-43d1-8439-993279850ea6/San+Francisco+Higher-Price+Home+Sales.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0092866d-f155-4137-95ad-e69f9e7afbbd/Luxury+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9ccc85ba-b866-4c3c-a0ce-99d7fb16fe8d/Overbidding+List+Prices+in+San+Francisco.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a42e9056-bf11-492d-a3a6-15067bedd7c8/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a0408ae9-d59c-4bd2-9f6f-1625f98792b8/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - August 2022 Market Report - Make it stand out</image:title>
      <image:caption>2-month-period trend lines: Sales reported to NorCal MLS Alliance, per Infosparks. “Condos” include co-op and TIC sales. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
  </url>
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      <image:title>Blog - SOLD! Modern Hayes Valley Condo</image:title>
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      <image:title>Blog - SOLD! Modern Hayes Valley Condo</image:title>
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      <image:title>Blog - SOLD! Modern Hayes Valley Condo - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.prism-re.com/blog/sold-idyllic-russian-river-escape</loc>
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    <lastmod>2022-07-27</lastmod>
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      <image:title>Blog - SOLD! Idyllic Russian River Escape</image:title>
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    <loc>https://www.prism-re.com/blog/what-is-an-adjustable-rate-mortgage</loc>
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    <lastmod>2022-07-21</lastmod>
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      <image:title>Blog - What Is an Adjustable Rate Mortgage? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/july-2022-market-report</loc>
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    <lastmod>2022-07-20</lastmod>
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      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Photo by Thom Milkovic on Unsplash</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/52269340-ad1e-4b31-bcfb-87a291e09ca3/San+Francisco+Median+House+Price+Trends.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1ae6e0b4-aaa7-4f9f-b045-2ec05eabb9cc/San+Francisco+Year-over-Year+Appreciation+Rates+since+2020.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>*Sales reported to NorCal MLS Alliance, per Infosparks. Median sales prices can be affected by a variety of factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Using an average of the monthly median house sales price for 8 Bay Area Counties. 2-month moving trendline. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5c3cb294-f4c5-434c-9094-559337e59042/San+Francisco+Median+Condo+Price+Trends.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. All numbers are approximate and subject to revision. Last month price calculated early in the following month and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7482970a-6bca-4b00-9190-06ce0e5aa9de/New+Listings+Coming+on+Market++.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/116d64ad-3b05-447d-b47d-d806459b0179/Active+Listings.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e1216952-2293-4acc-88d1-2fe324d645e9/Active+Listings+on+Market+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/742572f8-cdb2-43ad-9d72-38e980bff559/Price+Reductions+on+Active+Listings+.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/92833bde-0317-4b60-9a21-80ec6b803a8c/Monthly+Sales+Volume.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/358a6b34-c376-4584-8eb9-f850c9f2d570/Monthly+Sales+Volume+%E2%80%93+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on data available early the next month, and may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b91f31b8-1496-47bd-94e1-1eee54f6571f/Listings+Accepting+Offers+%28Going+into+Contract%29.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3889e2fb-7083-4d7a-a3ec-ad5523cf4c4b/Listings+Accepting+Offers-+Longer-Term+Trends.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7556909a-6f1d-482d-92b4-daee7fc2227e/Higher-Price+Home+Sales+Volume.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/67dd0f7e-4433-4e68-b122-87b5f5211352/Higher-Price+Home+Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/44968ae4-0e1b-400e-bf1d-f22b1ef09ddb/Average+Sales+Price+to+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a8b6aa10-ceea-4a9d-9180-f7e113733856/Average+Days+on+Market.JPG</image:loc>
      <image:title>Blog - July 2022 Market Report: Continued Signs of a Cooling Market - Make it stand out</image:title>
      <image:caption>2-month-period trend lines: Sales reported to NorCal MLS Alliance, per Infosparks. “Condos” include co-op and TIC sales. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/dpaul-in-the-list-of-realtrends</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8f7e864f-1d5a-4af3-9639-36a42f0d9e28/RealTrends.jpeg</image:loc>
      <image:title>Blog - dpaul in the list of RealTrends America’s Best Real Estate Professionals - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/feast-your-eyes-on-lgbtq-arts-this-summer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7eccdbbe-92ad-4e85-8f66-0d4b4f93e95b/Oasis.jpg</image:loc>
      <image:title>Blog - Feast Your Eyes on LGBTQ+ Arts This Summer - Make it stand out</image:title>
      <image:caption>Image by friend of the business Stephen Sherman Wade.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/what-is-transparent-pricing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ab93e17e-d0a5-4612-8ed1-cca75577dfef/transparent-pricing.png</image:loc>
      <image:title>Blog - What Is Transparent Pricing? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/june-2022-market-report-clear-indications-of-cooling-market-dynamics</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c2ab299-96b9-4e4b-ba17-48bc9d149546/koushik-chowdavarapu-dolores-park.jpg</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Photo by Koushik Chowdavarapu on Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c2777908-d0e9-4d40-8e48-6d96eb304279/Median+HOUSE+Sales+Price+by+Year%2C+1993+%E2%80%93+Present.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per CA. Association of Realtors or NorCal MLS Alliance. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/eb6c0aa0-1119-435f-8af3-589d8e3c2144/Median+CONDO+Sales+Price+by+Year%2C+1993+%E2%80%93+Present.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per sales reported to NorCal MLS Alliance. Median sales price is that price at which half the sales occurred for more and half for less. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/637e4f5a-6208-4c88-9abf-f43484dbfae7/SAN+FRANCISCO+YEAR-OVER-YEAR+APPRECIATION+RATES+SINCE+2020.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/370bb00d-4c61-438d-8ec8-997aab7a3c77/SAN+FRANCISCO+YEAR-OVER-YEAR+CONDO+APPRECIATION+RATES+SINCE+2020.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>*3-month rolling sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/77152620-25f0-4e2f-9cce-5568e03fe0c0/NEW+LISTINGS+COMING+ON+MARKET.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ab6644f9-377b-47cd-9a5a-df76522efd22/ACTIVE+LISTINGS.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings posted to MLS. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/c3e34a1e-c0b0-4f17-ab0c-7ffa82f6dc68/ACTIVE+LISTINGS+ON+MARKET+%E2%80%93+LONGER-TERM+TRENDS.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b272cb61-f09a-4fcc-80c8-9334c74932af/LISTINGS+ACCEPTING+OFFERS+%28GOING+INTO+CONTRACT%29.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d00b79af-7af5-4903-83ee-d66eeb94b8f5/LISTINGS+ACCEPTING+OFFERS-+LONGER-TERM+TRENDS.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/beef513e-a3fe-4b5f-8dd6-5962cfea17e0/MONTHLY+HOME+SALES+VOLUME.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op, townhouse sales reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month estimated based on available data, and may change with late-reported activity. Does not include sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fc2ceeab-f9bc-4798-aa84-4b745ed1c34f/HOME+SALES+VOLUME+BY+MONTH+%E2%80%93+LONGER-TERM+TRENDS.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Activity reported to NorCal Regional MLS, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f645e4ed-c655-4bbd-bec5-1669a9470f9c/SAN+FRANCISCO+MARKET+ACTIVITY+BY+PRICE+SEGMENT.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>House, condo, co-op, townhouse and TIC sales and listings accepting offers as reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Estimates based on data available in early June. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a2837b2a-a363-43de-a1a9-8cdc778e2775/SAN+FRANCISCO+LUXURY+HOME+SALES.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Sales reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated from available data, and may change with late-reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/36ebed96-84f8-4b67-b184-2df78aec87f3/SAN+FRANCISCO+LONG-TERM+LUXURY+HOME+SALES+TRENDS.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. “Condo/Co-op Sales” include TICs and townhouses. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8c794ed9-1a23-4b97-a872-24e459ba1114/PRICE+REDUCTIONS+ON+ACTIVE+LISTINGS.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9a8fce11-bd7d-4a63-8bb1-318b4ccb94fc/OVERBIDDING+LIST+PRICES+IN+SAN+FRANCISCO.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a34f67cf-a29e-40af-9861-c9e0cf68be21/S_P-500-YTD.jpg</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Data per MarketWatch.com, daily closing prices. Data from source deemed reliable, but may contain errors and subject to revision. Number should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d932cec8-1009-43f3-9540-a7f6042b3123/MORTGAGE+INTEREST+RATE+TRENDS%2C+2016+%E2%80%93+PRESENT.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9b5ef597-023a-4830-a272-012b576169f7/AVERAGE+ANNUAL+INTEREST+RATES+SINCE+1981.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/572b677e-da5f-40bf-a61b-ab7c53c6e970/FINANCIAL+MARKETS+IN+2022.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Last reading as of 6/13/22 AM. Data per MarketWatch.com, daily closing prices except last reading. Data from source deemed reliable, but may contain errors and subject to revision. Financial markets change constantly and all numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/9dbc8a9c-2d7e-4d92-b179-a52e5168ad23/S%26P+500+STOCK+INDEX%2C+1994+%E2%80%93+JUNE+13%2C+2022.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>Last reading as of 6/13/22 AM. An approximate illustration only. January opening value data points except as noted in horizontal axis. Data from sources deemed reliable but may contain errors and subject to revision. Financial markets can be prone to significant volatility even on a short-term basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/be4a3f4d-1a10-45f2-bc4e-2fc5afa97e83/INFLATION%3A+CONSUMER+PRICE+INDEX%2C+1982+%E2%80%93+2022.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>*3-month rolling average of Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/CPIAUCSL, June 2022. Data from U.S. Bureau of Labor Statistics. All Items (CPIAUCSL) is a price index of a basket of goods and services paid by urban consumers. This particular index includes roughly 88 percent of the total population. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/553e1af5-4fda-46ea-a06d-1f16ed0c9eb1/CONSUMER+SENTIMENT+%28CONFIDENCE%29+INDEX.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>2-month rolling trend line. University of Michigan: Consumer Sentiment [UMCSENT], retrieved from Federal Reserve Bank of St. Louis. Not seasonally adjusted. 1966, Q1 = 100.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/05787f0f-7bca-4687-8407-260392f8af24/SAN+FRANCISCO+BAY+AREA+EMPLOYMENT+TRENDS.JPG</image:loc>
      <image:title>Blog - June 2022 Market Report: Clear Indications of Cooling Market Dynamics - Make it stand out</image:title>
      <image:caption>*San Francisco, Marin, Alameda, Contra Costa, San Mateo &amp; Santa Clara Counties. Line delineates 2-month rolling average. Last month’s data is labeled “preliminary” by EDD. EDD often goes back to revise past data releases. Data from sources deemed reliable but may contain errors and subject to revision. Approximate illustration.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sold-chic-noe-mission-flat</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1656435440169-AN8EV3DJCW0ZJ2G9ON0T/1500x1000.jpg</image:loc>
      <image:title>Blog - SOLD! Chic Noe-Mission Flat</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1656435440319-CHPYH84KUDYQZR4NBNL9/1500x1000%281%29.jpg</image:loc>
      <image:title>Blog - SOLD! Chic Noe-Mission Flat</image:title>
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      <image:title>Blog - SOLD! 1850 Mansard Victorian</image:title>
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      <image:title>Blog - SOLD! 1850 Mansard Victorian</image:title>
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      <image:title>Blog - SOLD! 1850 Mansard Victorian</image:title>
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      <image:title>Blog - SOLD! 1850 Mansard Victorian</image:title>
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      <image:title>Blog - SOLD! 1850 Mansard Victorian</image:title>
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      <image:title>Blog - SOLD! 1850 Mansard Victorian</image:title>
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      <image:title>Blog - SOLD! 1850 Mansard Victorian</image:title>
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  <url>
    <loc>https://www.prism-re.com/blog/may-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1652123702472-ENK78FS7UFJTVRSGA70J/unsplash-image-tX6BrZCFYOQ.jpg</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>722 Steiner, the original of the Painted Ladies, on the far left, sold on April 1 for $6,000,000.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ce50310a-a101-4daf-b444-a1313b03bead/San+Francisco+Home+Price+Appreciation.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>6-month rolling average of the monthly median sales prices for “existing” houses since 1990, per CA Association of Realtors® or NorCal Regional MLS data. Analysis may contain errors and subject to revision. All numbers are approximate. Last month figure estimated from data available early in following month.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/0f681719-96e8-4c66-bdf7-be0dc561282a/Slide5.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Sales reported to NorCal MLS Alliance, per Infosparks through April 2022. Each median sales price on this chart reflects 6 months of sales. Median sales prices are subject to seasonal fluctuation, among other factors.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/aa3b9896-5260-4be1-ac10-ab66bda6f72a/Mortgage+Interest+Rate+Trends%2C+2016+%E2%80%93+Present.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant. Rates published by the FHLMC (Freddie Mac).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/205a28b3-aed1-45e4-837a-26e4e23986fa/Bay+Area+Housing+Costs+%E2%80%93+A+Sample+Illustration.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales prices for “existing single family dwellings” in March of each year for 9-county Bay Area, per CA Association of Realtors. Approx. 30-year fixed interest rates per FHLMC, at end of April of each year. Approx. monthly principal and interest payments per Bankrate.com. 20% downpayments would increase proportionally to sales prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fb6727c8-4939-4118-a4ba-e81df062ed87/San+Francisco+Homes+Market.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Active/Coming-Soon listings posted to NorCal MLS Alliance vs. 12 months sales of MLS home listings through 2/28/22. Data from sources deemed reliable, but may contain errors and subject to revision. Not all listings are posted to MLS. All numbers approximate. The number of active listings constantly changes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d982d28b-edd8-4d6e-9861-2222757f6bb8/Avg.+Sales+Price+To+Original+List+Price+Percentage.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d5e5ae67-f54e-49cd-b25d-8898234bf68e/Average+Days+On+Market.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NorCal MLS Alliance. Data from sources deemed reliable, but they may contain errors and subject to revision. All numbers approximate. Sales in one month, to a large degree, reflect accepted offer activity in the previous month. Sales reported to NorCal MLS Alliance, per Infosparks.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/101e69cf-57f4-4004-9b20-5da1a2b03ab0/Listings+Accepting+Offers.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Last month numbers estimated based on available data, and may change with late reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/b44a8353-a250-40d5-b2e4-40535682152f/Home+Sales+Volume+By+Month+Since+2018.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NorCal Regional MLS, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data. House, condo, TIC, co-op sales reported to NorCal Regional MLS, per Infosparks.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/836b2565-3942-49be-a12d-b2321253ade1/San+Francisco+Higher-price+House+Sales+Volume.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to Norcal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/bec698c4-381e-4669-94c2-b3aee0868437/San+Francisco+Luxury+Condo%2C+Co-op%2C+Townhouse%2C+TIC+Sales.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Does not include sales unreported to MLS: Not all sales are reported. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/ff875711-3a33-4b10-bc38-aa5876554576/San+Francisco+Market+Supply+Vs.+Demand.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>NorCal MLS Alliance data per Infosparks. Last reading may change with late reported activity. Does not include new-project condo activity unreported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Late reported data may change latest months’ numbers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f32e903c-be3f-4aaa-82f3-5be97f57f765/Consumer+Price+Index.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Chart from Federal Reserve Bank, published early April 2022, All Urban Consumers, Seasonally adjusted: https://fred.stlouisfed.org/series/CPIAUCSL#0 .Data from sources deemed reliable, but may contain errors and subject to revision. U.S. Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers: All Items in U.S. City Average [CPIAUCSL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/CPIAUCSL, April 13, 2022.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/5d91dc9c-6c29-425a-b453-23c3e69c3ee1/Average+Annual+Interest+Rates+Since+1981.JPG</image:loc>
      <image:title>Blog - May 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and accountant.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/the-market-is-shifting-heres-why-thats-a-good-thing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1652749197233-RSD1L56P40BU7FULQ9VB/unsplash-image-LEi6wr_HzyA.jpg</image:loc>
      <image:title>Blog - The Market Is Shifting. Here's Why That's a Good Thing. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/e0e2e0ef-5da3-487e-aa21-7657377b5d14/Mortgage-rates-trend.png</image:loc>
      <image:title>Blog - The Market Is Shifting. Here's Why That's a Good Thing. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/1234-palou-ave</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624849283-K6CA729RSWZ7155M501L/1234Palou+Ext2.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624851311-8IBQD4UZW9WDTOT7EJV5/1234Palou+LR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624853058-BTUH7NNSM030DL7O2QVK/1234Palou+LR2.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624854441-EAQ9T4J2KWDJ06QD2TTB/1234Palou+LR3.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624857597-WY8HA1Q4L6TAMEWB95W3/1234Palou+1BR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624859208-N2WLEUUQBD7P0J28E651/1234Palou+1BR2.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624860620-B0O2PM4XNLL4TO8GWWQJ/1234Palou+1BR3.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624862100-3MNJPSLPVPGLGW7I7I2M/1234Palou+2BR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624866133-8TJPAZ42NB0341ZKP1TS/1234Palou+Bath1.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624891944-LUWKK9FN5Y2YA5AO5SZL/1234Palou+Yard1.jpg</image:loc>
      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
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      <image:title>Blog - SOLD! 1234 Palou Ave</image:title>
    </image:image>
    <image:image>
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      <image:title>Blog - SOLD! 1234 Palou Ave - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/interest-rates-are-rising-what-does-that-mean-for-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624899775-N3KJ4ZMXVY59AI5G0GRH/image-asset.jpeg</image:loc>
      <image:title>Blog - Interest Rates Are Rising. What Does That Mean for You? - Make it stand out</image:title>
      <image:caption>Photo by Marco Verch Professional Photographer on Flickr via Creative Commons license</image:caption>
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      <image:title>Blog - Interest Rates Are Rising. What Does That Mean for You? - Make it stand out</image:title>
      <image:caption>Mortgage Interest Rate Trends, 2016-present</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/april-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624904955-J16QL7NMI8VP8YKPTCAH/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Jellies at the Aquarium of the Pacific by Cory Doctorow on Flickr via Creative Commons license.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624906858-ELX13EV1A1WHLP4JI0QC/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic that can be affected by other factors besides changes in fair market value. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624909391-QP9NYGTHUNZ9ZT7SFBJN/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic that can be affected by other factors besides changes in fair market value. All numbers are approximate and subject to revision. Last quarter may change with late reported activity. Does not include new-project condo sales unreported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624912134-H7GZAOP5FQ68S01AKVBM/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NORCAL MLS® ALLIANCE, 9/15/21-3/15/22. Sales price to LP % for sales which accepted offers within 30 days. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate and can change on a daily basis. Not all listings provide square footage. Days on market adjusted for outliers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624914041-GD8X4IB3CW9X0E9SEPAM/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Sales of 2BR/2BA units reported to NORCAL MLS® ALLIANCE, 9/15/21 – 3/15/22. Sales price to LP % for sales accepting offers within 30 days. Data from sources deemed reliable but may contain errors and subject to revision. Numbers are approximate and can change on a daily basis. Days on market adjusted for outliers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624916018-PBC4VCRLJO7J0E7UFVDI/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. May not include “coming soon” listings. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624917898-WSBF6ZSLYOG9SEW9ORQW/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Active/Coming-Soon listings posted to NorCal MLS Alliance vs. 12 months sales of MLS home listings through 2/28/22. Data from sources deemed reliable, but may contain errors and subject to revision. Not all listings are posted to MLS. All numbers approximate. The number of active listings constantly changes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624919972-5VP4R322XOS9KFFT7V9I/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624921804-F4Y1JE5ETAV4VJD1DJG5/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Median sales prices for houses of 3 bedrooms, 1400 to 1750 square feet, as reported to NorCal MLS Alliance. Approx. interest rates per FHLMC, at end of Q1 of each year. Approx. monthly payments per Bankrate.com include estimated property taxes and minimal insurance costs. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Interest rates often change quickly, dramatically. Consult your accountant and loan agent.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624923788-65HFZ7V9FS0CR7JJUIX5/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624925758-8LCOLY7NFPNG0420DZUF/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624927960-KP8FXGPRWH04H7L9O0CB/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624929182-SK4921NDCGU1YEK921E7/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Condos include co-op, townhouse, TIC sales. Not all sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624930633-BYUJG1WUCH84HBOW2WEC/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624932084-1D9HU7EVXIBQ6X5K58LE/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624933704-9E9KZKNEBG9ELDBYOMYC/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624935264-MPBFW667GGULV74546LO/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624936765-60BEVLXW3BRWFBC18MG9/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable, but may contain errors and subject to revision. All percentages to be considered approximate estimates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624938188-MJ43DT5DILZ4YPVY2O6W/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>Chart from U.S. Bureau of Labor Statistics, published early March 2022: https://www.bls.gov/charts/consumer-price-index/consumer-price-index-by-category-line-chart.htm. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624940238-XNBTRRJB2TDVIYI2DP9V/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2022 Market Report - Make it stand out</image:title>
      <image:caption>University of Michigan: Consumer Sentiment [UMCSENT], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/UMCSENT. Not seasonally adjusted. 1966, Q1 = 100.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sugar-snap-pea-salad</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624948618-X3GKLN0S3GBGRT47GDGK/image-asset.jpeg</image:loc>
      <image:title>Blog - Sugar Snap Pea Salad - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/sold-congrats-to-b-amp-j</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-29</lastmod>
    <image:image>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651624991292-7DMMGOTX6PRXYQAKY6D1/233Franklin308+1BR1.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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      <image:title>Blog - SOLD! Congrats to J &amp;amp; B</image:title>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/march-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625016620-QUKDWQLQB8CTF6KQPD6A/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Photo by GPA Photo Archive on Flickr via Creative Commons license</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625019126-58IHXS805XY8F0FEZPQA/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales data reported to NORCAL MLS® ALLIANCE, per Infosparks. Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625021915-5IM8G2VX8VOIN23H0BWX/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625024191-6758WMIIKF1UKP2GXQ4Q/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. As reported to NorCal MLS Alliance. These analyses were performed in good faith with data derived from sources deemed reliable, but they may contain errors and are subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625027232-8IGEYA5IXV9HJL0KT7N2/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>*House, condo, co-op, TIC, townhouse activity reported to NorCal MLS Alliance. “Active” listings include “Coming Soon.” 12 months sales of listings marketed in MLS through mid-February 2022. Not all listings/sales are posted to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. The number of active listings changes constantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625029543-JMQQOTJYK5HBV9MYDNQ6/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Each column reflects 3 months sales data. Sales reported to NorCal MLS Alliance. Median sales prices can fluctuate due to factors besides changes in fair market value. Analysis may contain errors and subject to revision. All numbers are approximate, and may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625031195-NCJ4WVICFE8T8PA0V6NA/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>*County house sales reported to NorCal MLS Alliance. San Mateo prices estimated per adjustment to CA Association of Realtors calculations. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate, and may change with late reported sales. Percentages rounded.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625032737-BZKYAOMP3PQCR8UQBQYI/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Each column reflects 3 months sales data. Sales reported to NorCal MLS Alliance. Median sales prices can fluctuate due to factors besides changes in fair market value. Analysis may contain errors and subject to revision. All numbers are approximate, and may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625034297-3GKT8UF7SMFWE5Q1YN1Q/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Dollar per Square Foot is based upon interior living space and doesn’t include garages, attics, basements, rooms built without permit, decks or patios. Not all sales report square footage. All numbers are approximate and subject to revision. Each data point on chart reflects 3 months of sales. Seasonal fluctuations are commmon.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625036007-OMW0IJP23H67BU5UGBRW/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Generally based on sales data per NorCal MLS Alliance in the 12 months through 2/15/22, but 2000-2021 condo figures include estimate of new-project condo sales unreported to MLS. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625038684-QSQPPJTUPNOD6BH3MWF0/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625041751-CCKS2UATJO2BWEXJ6YEL/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625044276-X8QHT4TQ9PE9N5KOSVTV/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, TIC, co-op sales reported to NorCal MLS Alliance, per Infosparks. Activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625047903-JIRK0ZWYOYOA9S7D9FGV/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, co-op, townhouse, TIC sales reported to NorCal MLS Alliance, per Infosparks. Sales reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated from available data, and may change with late-reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625050902-KQ1O1WZRE6WTIZBPT4XW/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625054513-BW79X4YJJV9FA67EWNUH/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2022 Market Report - Make it stand out</image:title>
      <image:caption>*Approximate, good-faith illustration based on S&amp;P CoreLogic Case-Shiller House Price Index for 5-county SF Metro Area. (Not based on median sales price changes.) Though we believe the broad cycles depicted generally apply across the Bay Area, substantial variations occurred, and % changes cannot be relied upon to apply to any specific home, submarket or market segment.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/clean-offer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625057323-WVV33PKHCKVHQA19IPJD/image-asset.jpeg</image:loc>
      <image:title>Blog - What Is a Clean Offer? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sold-congrats-to-k-amp-h</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625063521-1CYLM96CCRUO0U9PGWTN/1500x1000.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to K &amp;amp; H</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625065609-EN4V116I64GEQZQ8W6DJ/1500x1000%282%29.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to K &amp;amp; H</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625068050-T9BTRAS2224YH8RUN3MQ/1500x1000%283%29.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to K &amp;amp; H</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625070217-L86W1141LN5QC1VJ9O2E/1500x1000%284%29.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to K &amp;amp; H</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625078357-GMKJWQ293AWQHI2WU1WI/1688Pine+Entry.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to K &amp;amp; H</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625080759-TW6WXVKV1FXFRUC5JR42/1500x1000%281%29.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to K &amp;amp; H</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625087384-UOCQH4L1BHLMT6DFYVLX/1688PIne+Ext.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to K &amp;amp; H</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/get-to-know-bernal-heights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625091286-N8CCL0XSJZK365CNSN2U/image-asset.jpeg</image:loc>
      <image:title>Blog - Get to Know: Bernal Heights</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/february-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625256037-CSLTD8GP29T9AR4PFBAK/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625259760-UR2SIQAJX9LUZDJ9MP7X/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Markets vary by city district.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625262112-SJPV7R682O1TAL1V6JWA/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>January 2022 update: 6 months sales reported to NorCal MLS Alliance through 1/21/22. Does not include new-project condo sales unreported to MLS. Based upon data sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625265055-0J02H9YACS4068ANBU5F/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Sales reported to NorCal MLS Alliance. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS: Will not include new-project condo sales unreported to MLS. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625268213-FREWTFT9JHD39U7WIQ20/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Active/Coming Soon listings posted to NorCal MLS Alliance, and 12 months sales of MLS listings through 1/20/22. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. # of active listings changes on daily basis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625270449-4LKTU6HICE1FCMQB02AW/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 6-month rolling average of California Association of Realtors monthly data for existing single family dwellings, for 9 Bay Area Counties. Not seasonally adjusted; does not include condo Inventory (which would raise the reading). Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625273542-5T4ZH7KC47VRXCS6RU9T/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Interest rates may fluctuate suddenly and dramatically, and it is very difficult to predict rate changes. Data from sources deemed reliable but not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625276769-9E2RVM7T8L2UT3LLNG9E/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625279700-2ITFUT2KRNR04UP5FUUN/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625282655-YT7VDATG598SB3T9EION/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625286225-85NGYUY0GFNVIV3GGYK6/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625289797-K0778SXFO8EKZ96TNEZY/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Median Sales Price is that price at which half the sales occurred for more and half for less. Multiple neighborhood values through 2020 are averages of median sales prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625292899-JZUZ4KEUCO0R40FJ8N1G/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Each data point reflects the TOTAL of 12 months of activity for houses, condos, co-ops and townhouses. 1/12 of these numbers = an average month within the 12 month period. New listings reported to MLS, per NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. Numbers are approximate and are meant to illustrate broad trends.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625296433-42CVUQZP0L0KGQDVY52N/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625299108-K7QJO5DNT651KQDD3SY6/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NorCal MLS Alliance, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month numbers estimated based on available data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625302604-XOBLI56B44Z9531D5RQW/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance through 1/20/22. Not all luxury home sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods not listed. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625305163-TZIZ8E08H5T59ZCOUMCJ/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months sales reported to NorCal MLS Alliance through 1/20/22. Not all sales are reported to MLS. Neighborhood groupings correspond to SF Realtor districts, which often include adjacent neighborhoods. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625307036-ZE1QLA6FD3J3PWHBGX1E/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Sales reported to NorCal MLS Alliance, per Infosparks. “Condo/Co-op Sales” include TICs and townhouses, but not new-project sales unreported to MLS. Numbers may change with late reported sales. Data from sources deemed reliable, but may contain errors and subject to revision. Not all sales are reported to MLS. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625308606-EQAEO8QTPNDFXC3ODXHX/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. Last month estimated from available data, and may change with late-reported sales. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625310285-5RB6CPQP5E2X3HCA3OTW/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NorCal MLS Alliance: 3 month rolling sales data. These analyses were performed in good faith with data derived from sources deemed reliable, but they may contain errors and are subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625311863-6FYOTE8A7EK4RI6MQ52M/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
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    <loc>https://www.prism-re.com/blog/down-payment-assistance-program-for-select-professions</loc>
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    <lastmod>2022-05-04</lastmod>
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      <image:title>Blog - Down Payment Assistance Program for Select Professions - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/thin-mint-julep-recipe</loc>
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    <lastmod>2022-05-04</lastmod>
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      <image:title>Blog - Thin Mint Julep Recipe - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.prism-re.com/blog/sold-congrats-to-z-amp-s</loc>
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    <lastmod>2023-05-12</lastmod>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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      <image:title>Blog - SOLD! Congrats to Z &amp;amp; S</image:title>
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    <loc>https://www.prism-re.com/blog/get-to-know-mission-dolores</loc>
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    <lastmod>2022-06-29</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/january-2022-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625378865-W8QB37P8KX38G4EFE368/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Photo by David Abercrombie on Flickr, via Creative Commons</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625380241-89OYIZXQJ414WY86TN89/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Per CA Association of Realtors or sales data as reported to NORCAL MLS® ALLIANCE. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625382118-DGPSMLKB5NV7E2Q60X64/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Broker Metrics/Infosparks</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625383907-U2E6DGFI41SMWRHXMPOY/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>As reported to NORCAL MLS® ALLIANCE, per Infosparks</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625385475-LVXIT7VVGVNYO2JMI23E/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>* Each data point reflects the total of 12 months of activity for houses, condos, co-ops, TICs and townhouses. 1/12 of these numbers = an average month within the 12 month period. Sales reported to NORCAL MLS® ALLIANCE, per Infosparks. Does not include new-project condo sales unreported to MLS. Last month estimated from data available in early January 2022. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625387213-BK9B4ZDPCE9Z4D3WK5OY/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>* 12 months MLS sales of houses, townhouses, condos, co-ops and TICs through late December 2021, per Broker Metrics. Data derived from sources deemed reliable, but may contain errors and subject to revision.All numbers approximate. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625388951-3FPHF533JMYL8XAGDM9H/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Changes measured from July 1 of the previous year to July 1 of the labeled year, as published December 2021 by the CA Department of Finance. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625390685-11XM2INZCAZ3K28446BV/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625392259-DNJ6UMJSEDNFNLBRMJS8/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625393446-4PKVCEDOACXIB1LMYIIB/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Changes measured from July 1 of the previous year to July 1 of the labeled year, as published December 2021 by the CA Department of Finance. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625395003-B6GABMPKGB4WHBLY0HXS/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NorCal MLS Alliance, per Infosparks. Condos include co-op and TIC sales. Not all luxury sales are reported to MLS. Data from sources deemed reliable, but subject to error and revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625397322-JDFI8ZWUSSMTI71L2XJ1/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Residential market activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625401083-N0K0VIR83MSUOHQ9RUXC/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Does not include new-project condos unlisted in MLS. Each data point reflects 3 months of combined data. Data from sources deemed reliable, but may contain errors and subject to revision. Numbers are approximate, and may change with late-reported activity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625403940-OGQ6I2S35H9ZAW8Z1DD5/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. “Condos” include co-op and TIC sales. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and may change with late- reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625407626-7RAM8ACQ3KTW5MXY22KM/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>1st quarter data points except, as noted for Q4 2020 and Q4 2021. Numbers are estimated using data from a number of rental data sources. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are good-faith estimates and very approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625410970-WAIPCRVZKF2PRWNT7NQG/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625414123-4FWX1FM4COY42H9RINUT/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625417745-UZTB7Q9GFUBNXEC7P38A/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>EDD data. Last month’s data is labeled “preliminary” by EDD. EDD often goes back to revise past data releases. Data from sources deemed reliable but may contain errors and subject to revision. All numbers should be considered approximate. Data from sources deemed reliable, but may contain errors, and not guaranteed. Provided for informational purposes only. All numbers should be considered approximate, and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625422143-FDLXZZ1R5ERKMC0AX9XP/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625427050-IEBOKVTR376JN61WX8UU/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2022 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/december-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625435339-91AHA1BAZYT12GXAKYG1/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Image by ~jar{} on Flickr via Creative Commons license.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625439193-3A54WS3SFLITNI4YA179/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>* Active/pending-sale listings posted to NORCAL MLS® ALLIANCE as of November 24, 2021. Sales reported to MLS in 2021 through late November 2021. Not all listings/sales are posted/reported to MLS. Off-MLS listings/sakes may exist with higher prices. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625441798-54522G6L2QNGZD6AW9WN/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>* Comparing house, condo, co-op, TIC, townhouse unit sales reported to NORCAL MLS® ALLIANCE in the first 10 months of 2021 with the same period of 2019, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625445166-IPD8ZAMRYVN5346UDEIF/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625448568-UAR1QU7E1DB56EOG9WAL/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625452162-ZVX24J2TOT4ITPB3USCF/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median value is that value at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625454158-ZCPDVBCD7GZJIG2MXV0E/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Any general compilation of sales will include properties of radically varying location, quality, condition, square footage, lot size and amenities (views, pools, vineyards, decks, etc.). Does not include sales unreported to MLS: some luxury home sales are not reported. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate, and late reported sales may alter them. Figure for Tahoe region reflects 12 months through Oct. 2021, per Broker Metrics.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625456829-463IMKH47X7PWYB3CPYV/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Any general compilation of sales will include properties of radically varying location, quality, condition, square footage, lot size and amenities (views, pools, vineyards, and so on). Larger homes are more likely to be located in more expensive areas.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625460093-SFC67O7NDSWTMAGQJJ6R/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>*Sales reported to NORCAL MLS® ALLIANCE per Infosparks: Not all sales are reported. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625464339-MTBOZ1NF6TYVIZV9NYLP/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>*Reflecting condo, co-op, townhouse and TIC sales reported to NORCAL MLS® ALLIANCE, per Infosparks: Some new-project condo sales are not reported to MLS. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625467870-5307CH18KDVZRT2KA2OF/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625470521-0V45ONE862YVLJAGRNXJ/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625473264-YQNWWZ2OUNXRWUP3PPSN/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Houses, condos, co-ops and TICs as listed in NORCAL MLS® ALLIANCE, per Infosparks. Does not include many new-project condo listings and sales not reported to MLS. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month estimated based on available data: Late reported activity may change this number.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625476388-TRX12657V831WC4SUZYB/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Residential sales data reported to SFARMLS, per Broker Metrics This chart reflects all residential properties, but since the pandemic, the percentage of houses going into contract has been significantly higher than the % of condos, though both saw big rebounds in 2021.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625478880-5G9BLUN6PAG60W7EYUY1/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>3-month rolling sales data reported to NORCAL M LS° ALLIANCE, per Infosparks Reflecting the percentage of sales closing at sales prices over the final list prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate, and may change with late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625482059-I2PQWJHM5W8JZO694IN2/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625484508-I1LMTVUZLXX91HZN96JM/image-asset.jpeg</image:loc>
      <image:title>Blog - December 2021 Market Report - Make it stand out</image:title>
      <image:caption>Sales reported to NORCAL MLS® ALLIANCE, per Infosparks Activity reported to NORCAL MLS® ALLIANCE, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers are approximate. Last month estimated based on available data.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/sold-congrats-to-em</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625491349-LQXQVZYHR3FOXI1BVM9V/180Dolores+Ext.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625497617-A7MK7MX9AS17H61PSCUV/180Dolores+Rear.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625503751-I86HJH8EWA8DABX3LUVB/180Dolores+Yard1.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625508462-YDCEZBJYIW3FYMCUIGGW/180Dolores+Yard2.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625511223-4Q0NEFX5WITQQ8664JIG/180Dolores1+1Bath.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625513396-DTBLITMNAIVAF5LXSRIR/180Dolores1+1BR1.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625515191-8JXNXD15U6G7IX572ISZ/180Dolores1+1BR2.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625517759-OZXMBBWKV1Q1Z55TVDXV/180Dolores1+2Bath.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625519629-MF1GOY24AC9APGS8DGQ1/180Dolores1+2BR1.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625523075-VVARTITP6ZPHR2ZSJ8H5/180Dolores1+2BR2.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625526047-4XVX69CTDK68ZATM8JXU/180Dolores1+Kitch1.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625527983-6BHVP1UN67J8ZQ62I9EL/180Dolores1+Kitch2.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625530353-0GMYKIIN1SSOP8U97WFV/180Dolores1+LR1.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625533020-EP2BIBEO11J68NZPH36Q/180Dolores1+LR2.jpg</image:loc>
      <image:title>Blog - SOLD! Congrats to EM</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/november-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625539499-ZND4Y5YECEE6FS09F7LS/image-asset.jpeg</image:loc>
      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Photo by Charles Lewis III on Flickr, via Creative Commons</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625543943-W17XUT4X0DWU3YE5Z4IC/image-asset.jpeg</image:loc>
      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic often affected by factors other than changes in fair market value. Seasonal fluctuations are common. Longer-term trends are more meaningful than short-term changes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625547212-OOKYST0GIXA2TB325ZA1/image-asset.jpeg</image:loc>
      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Because they fluctuate due to a number of factors, changes in median sales prices are very approximate indicators of changes in fair market value. The county includes many diverse market segments varying in affluence, values and appreciation rates. How this chart applies to any particular home is unknown without a specific comparative market analysis.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625552017-1SL8XBBMJNY40L1IS4F8/image-asset.jpeg</image:loc>
      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>The SF condo median sales price has rebounded in 2021, and is almost back up to it peak value (on a 6-month rolling basis). Around the Bay Area, condo markets did not see the high appreciation rates houses did since the pandemic struck. Each median sales price on this chart reflects 6 months of sales. Median sales prices are subject to seasonal fluctuation, among other factors.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625555922-31PGENZQ711ZFW314OV7/image-asset.jpeg</image:loc>
      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>A Sampling of August— October, 2021 Sales* Gradations in quality of location, condition &amp; amenities are almost infinite: Sales may not represent current market values. Neighborhood Property Type Year Built Bedrooms &amp; Baths Square Footage $/Sq.Ft. Excerpts from MLS Comments (sometimes edited) Ashbury Heights Condo Circa 1900 2/1.25 1144 $1333 "On charming 1-way street, lovely Victorian flat with period details throughout, 2 car parking" Central Sunset House 1927 2/1.5 1510 $980 "Wonderful home in excellent location in the Sunset, for investors or 1st time homebuyers" Excelsior House 1908 3/3 1800 $827 "Gorgeous, spacious, 2-level, 3-bedroom, 3-bathroom detached Excelsior home" Inner Mission Condo 1907 3/2 1260 $1206 "Urban chic, 3-bedroom, 2-bath classic Edwardian condo in heart of the Mission" Miraloma Park House 1948 2/1 1087 $1394 "2bd/lbath, split-level w/ outstanding panoramic deck views of SF, Bay, East Bay" Outer Parkside House 1947 3/2 1342 $1099 "Sweetest home in Sunset/Parkside; blocks from the ocean, immaculate turn-key beauty" Potrero Hill Condo 1992 2/2 1248 $1210 "Charming 2 bedroom, 2 bath condo on North slope of Potrero: in boutique 3 unit building" South Beach Condo 2014 1/1 830 $1831 "Beautifully appointed 1-bedroom atop Rincon Hill with unparalleled bay and city views" Sunnyside House Circa 1900 4/3 1969 $762 "2 homes on 1 lot: 3-BR, 2-bath w/views; separate, 1-BR + den, 1-bath cottage" Twin Peaks Condo 1962 2/2 1280 $1172 "Top floor unit, extensively renovated, unobstructed views, downtown to Mt. Diablo" *Sales reported to NorCal Regional MLS, August through mid-October 2021, sales prices from $1,475,000 to $1,525,000. MLS listing comments sometimes edited. The devil is in the details: a brief description cannot do justice to any home. Data derived from sources deemed reliable, but may contain errors.</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625563117-MLT5JC77T3W3JHX4TRT1/image-asset.jpeg</image:loc>
      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625570413-VEPNJO2NWOZ2233NUE3N/image-asset.jpeg</image:loc>
      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>2021 YTD median sales prices should be considered preliminary until substantiated over the longer term. Median sales prices can be affected by other market factors besides changes in fair market value and sometimes fluctuate without great meaningfulness. Median Sales Price is that price at which half the sales occurred for more and half for less. Multiple neighborhood values through 2020 are averages of median sales prices. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate and may change with late-reported sales.</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>New listing activity usually ebbs and flows by season: Climbing in spring, down in summer, spiking back up in September, and dropping way down in December. (In 2020, normal seasonality was upended by the pandemic.)</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Listings typically expire or are withdrawn without selling due to being perceived as overpriced, and/or to avoid the slower markets of mid-late summer and, especially of the mid-winter holiday period. Many then relist at the beginning of the new, more active selling season, often at lower prices.</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>The SF luxury home market is fiercely seasonal. After the autumn bump in sales, activity typically plunges to its low point in mid-winter. Typical seasonal trends were altered in 2020 by the pandemic.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625587636-26E5GXHNLU2FFPAC9ZAE/image-asset.jpeg</image:loc>
      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>After shelter-in-place was implemented, the supply of homes for sale — as measured by months supply of inventory* — climbed, or in the case of condos, soared. But since December and through 2021 YTD, the supply and demand balance readjusted to reflect a much stronger market. Months Supply of Inventory measures how long it would take to sell the existing inventory of listings for sale at the 12-month-average monthly rate of sale. Lower readings indicate stronger demand as compared to supply. Higher readings indicate higher supply as compared to demand.</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>There has been a tremendous surge in household wealth generated by increases in financial market values. This has mostly benefited more affluent households. Data from multpl.com and Yahoo! Finance. An approximate illustration only. Data from sources deemed reliable but may contain errors and subject to revision. Financial markets can be prone to significant volatility even on a short-term basis. For general illustration purposes only. All figures are approximate.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625595501-T6T296QJWERG8E41Y5XY/image-asset.jpeg</image:loc>
      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Due to a variety of economic factors, the Consumer Price Index, a measurement of inflation, has jumped in 2021. Historically, the standard remedy for surging inflation is to raise interest rates, but there are varying opinions as to whether higher inflation rates will persist, and what the exact response from the Federal Reserve Bank will be. Even if the Fed raises rates, the exact effect on mortgage rates is unclear. Predicting interest rate changes is extremely difficult. Per Freddie Mac (FHLMC), on November 4, 2021, the weekly average, 30-year mortgage interest rate was 3.09%. (The 15-year rate was 2.35%.) The all-time 30-year-rate low of 2.65% was reached in January 2021. In November 2018, the rate was 4.94%; in 2007, 6.3%; in year 2000, 8%; and in 1990, 10% (the ast 3 not illustrated on this chart). Interest rates may fluctuate suddenly and dramatically, and it is very difficult to accurately predict rate changes. Data from sources deemed reliable, but may contain errors and not guaranteed. Anyone interested in residential home loans should consult with a qualified mortgage professional and their accountant.</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>All-time lows in interest rates, increasing household incomes, and large pandemic-related government disbursements to households brought debt service payments as percentages of disposable personal income down to historic lows through Q1 2021. The percentages started to climb back up in Q2 2021 (the latest data available), but still remained extremely low by any standards — a positive economic indicator. When the debt service percentages hit high points, it is often a prelude to market corrections. Currently, the biggest wildcard is the possibility of significant changes to interest rates. (This analysis does not imply any market or interest-rate predictions on our part.) Data as published by the Federal Reserve Rank of St. Louis: httos://fred.sdouisfed.oraiseriesAIDSP . Data from sources deemed reliable but may contain errors and revision. All numbers should be considered approximate.</image:caption>
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      <image:title>Blog - November 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>Blog - Get to Know: Potrero Hill - Make it stand out</image:title>
      <image:caption>Photo by Christopher Michel on Flickr, via Creative Commons</image:caption>
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    <loc>https://www.prism-re.com/blog/october-2021-market-report</loc>
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    <lastmod>2022-05-04</lastmod>
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      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625817496-UPSK1VCLG6IBK8QEIXAJ/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>New Listing numbers represent the number of properties that were newly listed for that period. A downward trend of listing inventory and an upward trend of the number of properties sold indicates the seller is in a better negotiating position. An upward trend of listing inventory and a downward trend of the number of properties sold indicates the buyer is in a better negotiating position.</image:caption>
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      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>For Sale metrics are a snapshot of the number of properties for sale (active) on the last day of the selected period (eg. end of month, quarter, year, etc.). This generally leads to a cleaner, more accurate number for calculating Months Supply of Inventory and surfacing trends because it excludes the complexity of back &amp; forth status changes throughout the period. Reference this NAR post for more information. A downward trend of For Sale inventory and an upward trend of the number of properties sold indicates the seller is in a better negotiating position. An upward trend of For Sale inventory and a downward trend of the number of properties sold indicates the buyer is in a better negotiating position.</image:caption>
    </image:image>
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      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Sold numbers represent the number of properties that were sold for the selected time period. Under Contract numbers represent the number of properties that went “under contract” or “pending” status for that period. The properties sold figures are derived from recorded transactions. Current monthly sold figures might be adjusted upward on subsequent reports to account for any closed transactions that are reported late.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625822412-IPARYP743B31J7C30BFD/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>There are 2 kinds of Months of Inventory (MOI): MOI based on Closed Sales = the number of properties for sale divided by the number of properties sold. MOI based on Under Contract Sales = the number of properties for sale divided by the number of properties under contract.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625824020-BV4AGYJZNAP19Q3WVA9N/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>DOM generally is between the day the property is listed and the day it becomes off market (eg. when it goes under contract). A listing’s DOM counts up by one every day the property remains unsold. A low median / average DOM indicates a strong market that favors sellers. A high median / average DOM signals a weak market that favors buyers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625825884-X6PWJEVRVPX4F0YRL6JW/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median or Average Sold Price For Sale is the median or average calculation of the properties sold in a particular period. It helps identify where the softest market is and where the buyer can find the biggest price concessions. If a very expensive or very cheap home has been sold, average statistics can be skewed up or down, and the trend line can fluctuate with less consistency. In these cases the median metric may be of more value since median is the price where half of the homes sold were cheaper, and half were more expensive. Median tends to be less sensitive to outliers. When combined with the Sold Price / Original List Price % Difference Report, these metrics can portray the relationship between on and off market pricing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625827123-8IQW9MJQFEY30FVWW5I8/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median / Average Price per Sqft is the median or average calculation of sold price divided by square footage of sold listings within a given period. Use the highest and lowest monthly average price per square foot on the chart to establish the most marketable price range in a specific area. If the home has a larger than normal lot, a special amenity, or is located in an area of social demand, the home price must be adjusted upward.If there are less than five properties sold per month for a specific price range, the average price per square foot might be skewed and is not as useful. In this case, an average of the time period should be used in setting the price. The garage area is not included in the square footage price calculation. Individual listings in the MLS system without square foot information are excluded in the average square foot price calculation.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Also known as the Sale-to-List Ratio or “Negotiability” metric. When a property is listed on the market, the list price may change one or more times before it is sold. Original list price is the price that is first entered to the MLS database when a property is listed on the market. This report represents the percentage difference between sold price and original list price of properties sold in a given time period. If the percentage difference is above 100%, the home sold for more than the original list price. If it's less than 100%, the home sold for less than the list price.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625830113-WSX20D055JODB3NM5YKD/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>New Listing numbers represent the number of properties that were newly listed for that period. A downward trend of listing inventory and an upward trend of the number of properties sold indicates the seller is in a better negotiating position. An upward trend of listing inventory and a downward trend of the number of properties sold indicates the buyer is in a better negotiating position.</image:caption>
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      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>For Sale metrics are a snapshot of the number of properties for sale (active) on the last day of the selected period (eg. end of month, quarter, year, etc.). This generally leads to a cleaner, more accurate number for calculating Months Supply of Inventory and surfacing trends because it excludes the complexity of back &amp; forth status changes throughout the period. Reference this NAR post for more information. A downward trend of For Sale inventory and an upward trend of the number of properties sold indicates the seller is in a better negotiating position. An upward trend of For Sale inventory and a downward trend of the number of properties sold indicates the buyer is in a better negotiating position.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625833669-PIIJX7V4B3HYHT3KTRWS/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Sold numbers represent the number of properties that were sold for the selected time period. Under Contract numbers represent the number of properties that went “under contract” or “pending” status for that period. The properties sold figures are derived from recorded transactions. Current monthly sold figures might be adjusted upward on subsequent reports to account for any closed transactions that are reported late.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625835410-QA42Z20BU647LGWRKRFL/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>DOM generally is between the day the property is listed and the day it becomes off market (eg. when it goes under contract). A listing’s DOM counts up by one every day the property remains unsold. A low median / average DOM indicates a strong market that favors sellers. A high median / average DOM signals a weak market that favors buyers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625837050-FONBVYVGRXGUDHQX6BMN/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>There are 2 kinds of Months of Inventory (MOI): MOI based on Closed Sales = the number of properties for sale divided by the number of properties sold. MOI based on Under Contract Sales = the number of properties for sale divided by the number of properties under contract.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625838518-RRUQVF319BT3204V0T02/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median or Average Sold Price For Sale is the median or average calculation of the properties sold in a particular period. It helps identify where the softest market is and where the buyer can find the biggest price concessions. If a very expensive or very cheap home has been sold, average statistics can be skewed up or down, and the trend line can fluctuate with less consistency. In these cases the median metric may be of more value since median is the price where half of the homes sold were cheaper, and half were more expensive. Median tends to be less sensitive to outliers. When combined with the Sold Price / Original List Price % Difference Report, these metrics can portray the relationship between on and off market pricing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625840038-3KAXSXRZJC5X9TFHXO6E/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median / Average Price per Sqft is the median or average calculation of sold price divided by square footage of sold listings within a given period. Use the highest and lowest monthly average price per square foot on the chart to establish the most marketable price range in a specific area. If the home has a larger than normal lot, a special amenity, or is located in an area of social demand, the home price must be adjusted upward.If there are less than five properties sold per month for a specific price range, the average price per square foot might be skewed and is not as useful. In this case, an average of the time period should be used in setting the price. The garage area is not included in the square footage price calculation. Individual listings in the MLS system without square foot information are excluded in the average square foot price calculation.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625841543-72Z9XAM1ZMA27AMEFS5Y/image-asset.jpeg</image:loc>
      <image:title>Blog - October 2021 Market Report - Make it stand out</image:title>
      <image:caption>Also known as the Sale-to-List Ratio or “Negotiability” metric. When a property is listed on the market, the list price may change one or more times before it is sold. Original list price is the price that is first entered to the MLS database when a property is listed on the market. This report represents the percentage difference between sold price and original list price of properties sold in a given time period. If the percentage difference is above 100%, the home sold for more than the original list price. If it's less than 100%, the home sold for less than the list price.</image:caption>
    </image:image>
  </url>
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    <loc>https://www.prism-re.com/blog/sold-566-wisconsin-st</loc>
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    <lastmod>2023-04-13</lastmod>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/september-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625956021-WT5C7M50K56GBOG3255D/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Image by Christopher Michel on Flickr, via Creative Commons license</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625959137-LPE1OFSUJJ6IF9M4LHW3/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Approximate, good-faith estimates</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625960898-RSMDMOHFE3IZ0965NL53/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625962753-KM5AQDOJ35C8CL8QDPPI/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median house sales prices as reported to NorCal Regional MLS, per Infosparks. Median sales prices can fluctuate due to factors besides changes in fair market value. Analysis may contain errors and subject to revision. All numbers are approximate. Latest data may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625964382-J0Z2BLJMTQEB76HTT32B/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>* Sales reported to NorCal Regional MLS in the 6-month period through late August 2021. Data from sources deemed reliable, but may contain errors and subject to revision. Late reported sales may alter these figures. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625966200-2FTWUC0AG6U6TRTZZLW1/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>* 6 months NorCal Regional MLS house sales reported through 8/15/21. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Not all sales are reported to MLS.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625968692-JH9ORWH211KWSD8S3JY0/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Median sales price is that price at which half the sales occurred for more and half for less. It is a general statistic that conceals a wide range of prices in the underlying sales. It can be affected by factors other than changes in fair market value and often fluctuates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625970545-1MK19EHTZ2IXOFHRSX2A/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>* 6 months NorCal Regional MLS condo, co-op, TIC, townhouse sales reported through 8/15/21. Data derived from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate. Not all sales are reported to MLS, especially many new-project condo sales. Percentages are rounded to nearest whole percentage point.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625974807-BEO2CAVEA8FRLNIZ6WIP/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>*Residential — house, condo, co-op, TIC, townhouse — sales reported to NorCal Regional MLS, August through July of 2 successive 12-month periods within 2019-2021, per Infosparks. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625978542-SN6K70E7YOSR3P0STQG7/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625981742-2Y51823EP2C0QA3TQA5Y/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/, listings posted on site. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625984513-VEN2JZC4QTS6ULLQJV0L/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, townhouse, co-op and TIC sales reported to NorCal Regional MLS, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Latest data estimated and may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625987350-W7EHBV28X3CKERLQLD7X/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>House, condo, townhouse, co-op and TIC sales reported to NorCal Regional MLS, per Infosparks. Data from sources deemed reliable but may contain errors and subject to revision. All numbers approximate. Latest month's data estimated and may change due to late-reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625991377-JTOEETANTMZWC6Z5JMWP/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>House, condo &amp; co-op listings reported as sold year-to-date, or under contract as of 8/22/21</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625994029-PME5XAHSD1OT06PDRDZJ/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Per Realtor.com Research: https://www.realtor.com/research/data/. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers should be considered approximate.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625997371-2C7LFR4LPOKI9DCGJKRI/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Data per California Association of Realtors: "C.A.R.'s Traditional Housing Affordability Index (HAI). Methodology can be found on www.CAR.org, Market Data section. "SF Bay Area" includes 9 counties, Napa to Santa Clara.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651626002546-ZJLUG6C1KX92LCF5HB5O/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Based upon analysis of ACS data by Hans Johnson, Public Policy Institute of CA, May 2021 (does not include foreign immigration figures): https://www.ppic.org/blog/whos-leaving-california-and-whos-moving-in/. Adults 20-64 years of age. Low income: up to twice federal poverty level; mid-income: more than 2, up to 5 times poverty level; higher income: more than 5 times poverty level. Data from sources deemed reliable but may contain errors.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651626006207-C00SQVJ2FR5UJZSEQFUZ/image-asset.jpeg</image:loc>
      <image:title>Blog - September 2021 Market Report - Make it stand out</image:title>
      <image:caption>Chart from U.S. Bureau of Labor Statistics, published mid-August 2021: https://www.b1s.govicharts/consumer-price-index/consumer-price-index-by-category-line-chart.htm. Data from sources deemed reliable, but may contain errors and subject to revision.</image:caption>
    </image:image>
  </url>
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    <loc>https://www.prism-re.com/blog/just-listed-1203-noe-st</loc>
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    <lastmod>2022-06-29</lastmod>
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      <image:title>Blog - SOLD! 1203 Noe St</image:title>
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      <image:title>Blog - SOLD! 1203 Noe St</image:title>
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      <image:title>Blog - SOLD! 1203 Noe St</image:title>
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      <image:title>Blog - SOLD! 1203 Noe St</image:title>
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      <image:title>Blog - SOLD! 1203 Noe St</image:title>
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      <image:title>Blog - SOLD! 1203 Noe St</image:title>
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      <image:title>Blog - SOLD! 1203 Noe St</image:title>
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      <image:title>Blog - SOLD! 1203 Noe St</image:title>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/get-to-know-the-richmond-district</loc>
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    <lastmod>2023-02-24</lastmod>
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      <image:title>Blog - Get to Know: The Richmond District - Make it stand out</image:title>
      <image:caption>Image by Patricia Silva, @patrix15 on Instagram. Used with permission.</image:caption>
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  <url>
    <loc>https://www.prism-re.com/blog/august-2021-market-report</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-05-04</lastmod>
    <image:image>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Image by Patricia Silva, @patrix15 on Instagram. Used with permission.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651626137508-3VV7INFRHLMK3IVBG7IL/image-asset.jpeg</image:loc>
      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651626149605-UI9AU2LCHDH13Y38HVDB/image-asset.jpeg</image:loc>
      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
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      <image:title>Blog - August 2021 Market Report - Make it stand out</image:title>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - June 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - June 2021 Market Report - Make it stand out</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629819181-ZPWPGUKLOU1AUOXLA2AF/image-asset.jpeg</image:loc>
      <image:title>Blog - Bay Area Population Change &amp;amp; Migration - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629822912-1T6ULY4KVYP2AQFT7SUT/image-asset.jpeg</image:loc>
      <image:title>Blog - Bay Area Population Change &amp;amp; Migration - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/travis-monson-photographer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629827756-KN82E3LDWKORKJHDY1FP/image-asset.jpeg</image:loc>
      <image:title>Blog - Meet Travis Monson, Photographer - Make it stand out</image:title>
      <image:caption>Photo ©Travis Monson (@travismonsonphotography on Instagram, travismonsonphotography.com). Used with permission.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629832537-M6UK57L2LIV3IHSL9JO3/image-asset.jpeg</image:loc>
      <image:title>Blog - Meet Travis Monson, Photographer - Make it stand out</image:title>
      <image:caption>Photo ©Travis Monson (@travismonsonphotography on Instagram, travismonsonphotography.com). Used with permission.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/j1030-gilman-dr-broadmoor-village</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629842877-996PXKAFR6R55NFU1N03/01-1030Gilman+Ext1.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629848828-Q8Z50BRPDOSFQ66BZA8K/02-1030Gilman+LR2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629852932-Y7HDRQEGP5T6PJNQYT7A/03-1030Gilman+LR5.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629858395-7BQHZT3MMP95RV980S18/04-1030Gilman+LR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629862163-US91RRV3O22E5T0G5SAB/05-1030Gilman+LR4.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629867868-6JHU2KHFNKWL6GOAKHIM/06-1030Gilman+LR3.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629871743-FRU7F61Q1KQWB2X8NQ7Y/07-1030Gilman+DR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629875457-8Q3VRG6VE36OFJ5R2N3U/08-1030Gilman+DR2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629879319-FRP9LVRYBCSA5YF2IVPD/09-1030Gilman+Detail5.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629883711-SBPIAWUZBCT6WBJ2OEQN/10-1030Gilman+Kitch5.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629887814-WF0JLP4NNK1LJOMISI80/11-1030Gilman+Kitch1.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629892950-2Z6EUNC26HOOZ77QORV0/12-1030Gilman+Kitch2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629895362-W58JD6ZZQ8C29H8OYLS7/13-1030Gilman+Kitch3.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629897674-7VC65EETDJRIEVXKSUZT/14-1030Gilman+Kitch4.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629903326-M9RE9PPAOWG8TFH9RWMC/15-1030Gilman+2BR2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629908127-KTJ169C8SIO381MTUX5H/16-1030Gilman+2BR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629915278-AWZD6IIJSMM7YDRHXADE/17-1030Gilman+Bath1.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629920488-0OZN899PMF0QCYF5Z19Z/18-1030Gilman+Bath2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629923954-E3GWA2W3BF856UN1F9SX/19-1030Gilman+Detail8.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629926715-VK2K8UKZFWE8CCAD6LGI/20-1030Gilman+BuiltIn.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629931850-LWUNAEBMC1N2QSLRX83E/21-1030Gilman+1BR2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629936107-35JXK874MDECNKXE9L0D/22-1030Gilman+1BR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629942005-HXJSIVYKBB4AKAIEM0YQ/23-1030Gilman+Ofc2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629947502-HP857L5W4EBHDTXKB7L2/23-1030Gilman+View3.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629956926-FJ0KPZ7OA9OBVR02ZL3Z/24-1030Gilman+Shed1.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629966718-SST2NOIS12ZYV693T4DF/25-1030Gilman+yard.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629979086-KZEKIE8YGAPTGFZ5EOH6/26-1030Gilman+Yard2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629983360-DZH59A1R28949T20VQRU/27-1030Gilman+View2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629989321-45JB18LJ82GH5D3VD8TO/28-1030Gilman+Garage.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629990957-IVSM3JA4DXLX754IQRXN/29-1030-gilman-drive.45812.fp2k.2d.no-calc.mstr.01.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651629997849-RR0KAAAROHWGZ8KVMFS7/30-1030Gilman+Ext2.jpg</image:loc>
      <image:title>Blog - SOLD! 1030 Gilman Dr, Broadmoor Village</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/may-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630011313-6EMVVNVEV4MWLW571680/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Photo ©Travis Monson (@travismonsonphotography on Instagram, travismonsonphotography.com). Used with permission.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630016699-AOPN1LS6CMNQP4L2WND9/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630023313-ZIN3AINP9SLLLG87VUNA/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630026984-IK4AYH8K2RJ5ZS00PXGH/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630030653-OWBJVVJ99JO7ZDEQZ28U/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630035350-BDP7AJHM2BBOPXPKW2E9/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630039890-HFUFCVTX68FBLJLIYZ7S/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630043436-4SS4S2OO2DNX44VEJL6O/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630048261-M6EBRJFZTB12LP6BJAYO/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630052490-GD4TZG1N1SHND0CQ4TRP/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630055976-AC392FXS7JI95I965ZPC/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630060919-UX9KZ4S8DAA8FGBGUCG9/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630065857-2IEWG4WIX53JXRIRI47O/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630070324-US9F7CV71223JGNPF6YL/image-asset.jpeg</image:loc>
      <image:title>Blog - May 2021 Market Report - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/a-font-that-celebrates-the-street-signs-of-san-francisco</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630079154-5F4T9LFE7XKPUSINQRJO/image-asset.jpeg</image:loc>
      <image:title>Blog - A Font That Celebrates the Street Signs of San Francisco</image:title>
      <image:caption>A Fog City Gothic street sign, made with use of a historic San Francisco neighborhood photo from Western Neighborhoods Project's OpenSFHistory site.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/april-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630091230-6LJAMO5AG73FKKNNB2KE/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>Photo by Dale Cruse on Flickr via Creative Commons license</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630095543-WA3S4W82C9MPOOHE67QO/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>Q1 columns highlighted: The Q1 2021 median house sales price was 6.5% higher than in Q1 2020. Seasonal fluctuations are common, and it's not unusual for median sales prices to peak for the year in spring (Q2). Longer-term trends are more meaningful than short-term changes. Median sales price is that price at which half the sales occurred for more and half for less. It is a very general statistic that can be affected by other factors besides changes in fair market value. All numbers are approximate and subject to revision. Last quarter may change with late reported sales.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630100933-QU3I9N8JL3MQDABN8PSG/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>Year-over-year, the Q1 2021 median sales price for 2-bedroom condos was down 10.6% from Q1 2020.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630104632-V2W4N9B2D6PE6FGAP1UP/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630108358-0NDRKW67UJ8QDETKXULG/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>March columns highlighted: The number of active listings on the market on any given day in March 2021 was up 65% from March 2020. Condos, co-ops and TICs made up approximately 74% of the active listings.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630111837-1LF61CKCQVLHQMAQFZPJ/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>This is a snapshot measure of how many pending listings can be expected on any given day of the specified month. March columns highlighted: The number of listings pending sale on any given day in March 2021 was up 89% over March 2020.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630117203-OBN9J75PXTL3M3KNT341/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>Q1 2021 sales volume was up approximately 60% Houses made up 37 and condos, co-ops &amp; Q2 2019 year over year. % of Q1 2021 sales, TICs made up 63%. Sales are a lagging indicator, reflecting accepted offers 3-5 weeks earlier.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630119961-D2YJX6H3JM1OFNX171LN/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>In Q1 2021, luxury house sales were up 51% and luxury condo, co-op &amp; TIC sales up 39% year over year. Typically spring (Q2) is the dominant selling period for luxury home sales, but Q2 2020 was deeply affected by the pandemic before rebounding strongly in the following quarters.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630124952-E7BQIRGYBRKZXVBC0L8P/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>Q1 2021 percentages were the highest of any Q1 over the past 4 years. The higher the percentage of listings accepting offers (going into contract), the stronger the buyer demand as compared to the supply of listings for sale.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630127304-LAYO4VZQUBEI4LT1MLYL/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>On average, houses continue to go into contract much more quickly than condos, co-ops and TICs. The difference grew much wider since the pandemic hit.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630130795-3B53M01G1ODL780GN5G3/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>Since the pandemic struck one year ago, the percentage of sales in which the list price was overbid has declined for both houses and condos/co-ops/TICs. Even with the decline, the percentage for houses remained quite high, but the decline has been larger for the latter property types. Percentages have begun to tick back up, perhaps due in some part to the rollout of vaccines.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630134385-VJQ1VSH410B71S3GIY29/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>On average, house list prices were overbid by 5% during Q1 2021, and condo list prices slightly underbid. SP-OP percentages remain well down from 2018. 100% signifies an average sales price at original list price.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - April 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630144039-2WURHKG6XFVZW4NIQ8Y7/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>Comparing median sales prices between neighborhoods is not apples to apples, since the median sizes of homes vary so widely. Generally speaking, the most expensive neighborhoods have both the largest homes and the highest dollar per square foot values. Square footage is based upon interior living space and doesn't include garages, attics, basements, rooms built without permit, decks, patios or lot size. Median home sizes can vary widely between time periods. Within neighborhoods home sizes vary enormously. Data from sources deemed reliable, but may contain errors and subject to revision. All numbers are approximate.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630149427-9W21D1LP5N8EJBWTRVB4/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630153614-LNANXQC9MZFOHXVBR8VO/image-asset.jpeg</image:loc>
      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>Illustrating average % differences between sales and list prices on homes which sold quickly — i.e. went into contract within 30 days of coming on market. Positive percentages = overbidding asking price, while negative percentages (South Beach and Mission Bay condos) signify underbidding. Overbidding most typically occurs on brand new listings. On average, the sales price of houses accepting offers within 30 days was 8.9% above list price, and for condos 2.9% higher.</image:caption>
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      <image:title>Blog - April 2021 Market Report</image:title>
      <image:caption>Per Freddie Mac on April 1 2021 the weekly average 30-year interest rate was 3.18%, up from the all-time low of 2.65% in early January. In November 2018, the rate hit 4.94%. In 2007, the average was 6.3%.</image:caption>
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      <image:caption>Photo ©Travis Monson (@travismonsonphotography on Instagram, travismonsonphotography.com). Used with permission.</image:caption>
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      <image:title>Blog - SOLD! 563 Lisbon St</image:title>
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      <image:title>Blog - SOLD! 563 Lisbon St</image:title>
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      <image:title>Blog - SOLD! 563 Lisbon St</image:title>
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      <image:title>Blog - SOLD! 563 Lisbon St</image:title>
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  <url>
    <loc>https://www.prism-re.com/blog/sold-congrats-to-s-amp-k</loc>
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    <lastmod>2022-06-29</lastmod>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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      <image:title>Blog - SOLD! Congrats to S &amp;amp; K</image:title>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/march-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630411263-CQCVAJ37BJNG5Y4L746C/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630417374-37405ZEXV4M69DDF2KDZ/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Year over year, house prices were up about 5%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630420925-U7TNYPVO9AELBB0GRN14/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>January is typically the slowest month of the year for sales, and while January 2021 was slower than previous months, house sales were about 45% higher than the previous January.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630425628-D6IC32KKU3UGKXKGFZ65/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Condo sales have been a mixed bag in the pandemic. Overall prices are down about 8% YOY, but it really depends on the features and amenities of the condo: How large the unit and the building, whether there’s outdoor space, how dense the environment is. Activity is picking up, and hopefully as vaccinations continue demand for condos will recover.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630429051-FYZNU4YC1KY280BJOGB4/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Remarkably, the volume of condo/TIC/Co-op sales is significantly up YOY, about 48%. This probably indicates buyers with pent up demand taking advantage of a softened market. It’s less likely to be investors, as rents have been very soft in the city. To my mind, this is a good indicator that San Francisco’s condo market will remain robust.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630431973-EH5OZEAXF2S7RCA45IGT/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Despite the softening of the condo market, the Months Supply of Inventory (MSI) is still just moderate, so there’s not a glut of them. Interestingly, the MSI for 2-4 unit buildings is somewhat higher, which could mean opportunity for investors—provided they’re willing to ride out the very soft rental market.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630436567-2WFTEU4S5PMUCP4T4C71/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>YOY the number of listings coming on the market was up 10%. In general, listing volume has been up during the pandemic.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630440163-Y3UBU0BMGOXTOEUD1NL0/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>While new listings are up 10%, the number of active listings YOY is up was up 66%. This can be attributed to longer Days on Market (DOM) for listings, and probably mostly condos.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630444080-PBSHHOXOPUZMB3PWMQGA/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>As of late February, about 75% of Coming Soon listings were condos/TIC/co-ops, with the balance being houses. About a third of active listings are priced under $1 million, with 93% of them being condos/TIC/co-ops. Nearly another third are priced under $1.5 million, 26% of which are houses. While competition remains strong in this market, there are opportunities for buyers looking for a starter home.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630448336-JR9EP3X4C7R1G8LS0MUL/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>YOY the number of listings pending sale has nearly doubled. This is an indicator of just how hot the market is right now.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630452557-YM2NJ7QN4AQYQCGDOFMS/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Condo and house sales are roughly equal in volume, but more 2BR condos sell in San Francisco than any other property type. Price per square foot tends to go down as the square footage increases.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630458553-148J74KQ45WXIZ8V6LOY/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>The central District 5, encompassing Noe, Eureka, and Cole Valleys plus Ashbury Heights and Buena Vista Heights, saw the greatest volume of luxury house sales, with 122 homes over the price of $3 million.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630462329-FUF9Y0BDUDNULCJCNVM2/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Luxury home sales are significantly up YOY, probably again indicating a pandemic-fueled desire for more space.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630464732-AJ413BR131OLJXBZJC0P/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Even steeper was the rise in ultra-luxury homes priced $5 million and more.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630468379-LJJQJ3QTBWEASQ5ZPB4E/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Luxury condos priced $2 million and up remain centered in the northern neighborhoods of Pacific &amp; Presidio Heights, Marina, and Cow Hollow.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630472312-AB7JR2H9W5P1JKATE81L/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Despite an overall softening of the condo market, luxury condo sales were up about 17% YOY, and will likely continue as the pandemic recedes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630475806-B4K1RXSV22OGZFPSW97I/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>Interest rates have risen about 14% from their all-time lows in January of this year. However, they still remain drastically lower than they have been historically.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630479665-SRMEUOIKXPLC44UM3N0P/image-asset.jpeg</image:loc>
      <image:title>Blog - March 2021 Market Report</image:title>
      <image:caption>The combination of four factors—home prices, mortgage debt, interest rates, and income—determine the burden on household finances. The recent lows in interest rates have contributed to favorable conditions for home ownership in this regard.</image:caption>
    </image:image>
  </url>
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    <loc>https://www.prism-re.com/blog/make-your-property-shine-to-listand-pay-for-it-after</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
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      <image:title>Blog - Make Your Property Shine Before You List—and Pay for It After</image:title>
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      <image:title>Blog - Make Your Property Shine Before You List—and Pay for It After</image:title>
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  <url>
    <loc>https://www.prism-re.com/blog/bridge-loan-buy-before-you-sell</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630488184-NZH9HYWALMLO0EXVOPEX/image-asset.jpeg</image:loc>
      <image:title>Blog - Need to Buy Before You Sell? A Bridge Loan Can Help</image:title>
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      <image:title>Blog - Need to Buy Before You Sell? A Bridge Loan Can Help</image:title>
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    <loc>https://www.prism-re.com/blog/300-3rd-street-unit-1210</loc>
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    <priority>0.5</priority>
    <lastmod>2022-06-29</lastmod>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
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      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630542833-AIHJKN0UY2TTT34434OR/300Third1210-LR6-unstaged.jpg</image:loc>
      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630544723-9VYOBLFWP3JJ02BZM9VJ/300Third1210-LR3-unstaged.jpg</image:loc>
      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630546208-6YH20OQNUH3VYIF53W95/300Third1210-LR1-unstaged.jpg</image:loc>
      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630547843-J6SHY7ESD0MUYSFX1TZC/300Third1210-LR2-unstaged.jpg</image:loc>
      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630550012-QQXBCF5KDSOI5XC4EHZH/300_3rd-Lobby.jpg</image:loc>
      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630553435-ONUPH0EVSOHCJ447RG1W/300_3rd-Ext.jpg</image:loc>
      <image:title>Blog - SOLD! 300 3rd Street Unit 1210</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/just-listed-1483-sutter-520</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630562862-7RF5SPCMJKS4QM8OIH3U/1483Sutter520+LR4.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630565192-6PUXHTRJ72VYVE89O2Q3/1483Sutter520+LR4.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630570058-4F1VJL37FSO6TBTI9WGW/1483Sutter520+LR3.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630573723-WPHOI142PSOPBT5BFTI4/1483Sutter520+LR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630577419-5PNYH64HSHFT41RFYQS9/1483Sutter520+LR2.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630581149-5OFR31Y8NR8TJ7A0531D/1483Sutter520+BR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
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      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630589612-4MZJYE6XE8RPMRHAS49S/1483Sutter520+Bath2.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630594679-CPZMA8VBV5X9DQRWCB93/1483Sutter520+Kitch2.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630597983-37NPKJUKQ75MMLCBYQ8S/1483Sutter520+BR3.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630601765-DTSOZELW4Y5XWR6THWYV/1483Sutter520+Kitch4.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630606635-HRUNL5IWINF5IO692XDR/1483Sutter_Entry1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630613116-H8UBLO0ZWZEEC377F613/1483Sutter_Lobby.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630618211-KTEZ8PV623LDE35Q07EV/1483Sutter+Spa1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630624470-TUWJ9PO8O8CF56SQEOEN/1483Sutter+Sundeck1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630630531-UYY9ZUDMXNIMBPNOJU1H/1483Sutter+Sundeck2.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630635060-Y18BNZNJ2PH1NOA6N3G4/1483Sutter_Sauna.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630640609-XM8ED46QNU4E5TPJ9K11/1483Sutter520+Parking.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630644765-QS6M83PUH2LO3VO0VXCM/1483Sutter520+LR3.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630647921-L9L8ZY4HEAUBA2PZZ8G4/1483Sutter520+LR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630650865-GE4UDUMXHTA10W8XRKFA/1483Sutter520+LR2.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630653465-NZJGV070GFG5S4HH1YUJ/1483Sutter520+BR1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630656566-M3NGNF8WRG5MPSHSNGZY/1483Sutter520+BR2.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630659631-6PTC2A3832HTPD1H3L6E/1483Sutter520+BR3.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630663213-TEI19LRTD95PCG87JDLZ/1483Sutter520+Closet1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630666665-6CQTK93MWN5ADPGY9X0K/1483Sutter520+Laundry.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630669911-WK8QZW9S3TURXFD57AJF/1483Sutter520+2Closet.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630673589-NXMWGK46V985ASHCBEHB/1483Sutter520+Tub.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630675818-71Z82MYNNA988OSLRW9F/1483Sutter520+Bath2.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630679064-IR9EOU9HQV9M95RHK0TI/1483Sutter520+Bath1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630683166-FGP9QSHFYY3402P79HUK/1483Sutter520+Kitch1.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630686788-00B2BJFY7HRQFI90FRQI/1483Sutter520+Kitch2.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630689775-ERWP7EII56Y11TUHFMR0/1483Sutter520+Kitch3.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630693845-NNX76AC8EITTLKB5HK09/1483Sutter520+Kitch4.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630699117-OX6744USTUBIBHQE02Y9/1483Sutter_Ext3.jpg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630557136-1S575AJSR3NCT0QC156F/image-asset.jpeg</image:loc>
      <image:title>Blog - SOLD! 1483 Sutter #520</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/february-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630706367-I0QQ5EQNOY9TIP4M4K6H/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630708585-T8HI8V0TYIQWCUY5IP2N/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630710730-SS40DGZAMRJ4I0N4ZXP1/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630712703-Y4SJRHX65YKUX3HF1ZSA/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630714166-IXN4HCJBPWL15AJQNVL8/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630715560-ZDSIFLULT69DZYUIDWLX/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630717064-U65KGLAT3GAFMV163841/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630718388-F8RSAC4ITLEJX6680OQE/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630719540-RORMMAL3V8F528XKDN13/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630720765-1XIO5UCP7FHJWNA1S8AY/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630721987-L3G5FBZGEFWE6274HJE6/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630723311-1XCHCJIZ8EOVILGFZ86Y/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630724580-3CXLOHCYYGRNDJ0QJPFC/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630725877-720E03KGTLQ61LUHXF6A/image-asset.jpeg</image:loc>
      <image:title>Blog - February 2021 Market Report</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/january-2021-market-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630729450-I21VKN7V4H6KO3AJ85JP/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630730810-XRAF1VMWJWBDEE0JAKAK/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>SFR prices continue to escalate and outpace pricing on condos and TICs. This trend is likely to continue into 2021.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630733747-9IGLOE6E1FGZWRJ2WZD6/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>2020 saw significant challenges to the condo market, with a glut of inventory, resulting in more days on market and relatively flat pricing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630734895-BIFSP4NFDMFAU3UV5ZNC/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>Year-over-year percentage change in the number of listings going into contract during the month. During the first three months of the pandemic, sales plummeted as people were locked down and homes could not be shown. Market activity did slow in December from autumn, as usual, but far less than usual.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630736127-2PIUMGT9GRL0UVEYNHYF/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>Here again we see how the pandemic had a deleterious effect on the sale of condos, especially luxury condos. Increased interest in SFRs drove up activity on luxury homes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630737343-PIH12EC4O22C12ZTJVCH/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>The dot-com bubble of the mid-90s, the financing bubble of the mid-2000s, and the high-tech boom of the 2010s significantly drove up pricing of homes in San Francisco.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630739193-E4VDI67GK3FXLY3G92CG/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>Unlike SFRs, thousands of new condos have been built in recent years, so year-over-year comparisons are not necessarily reflective of pricing trends. Here we do see that the pandemic had a deflating effect on condo pricing, down 8-10% year over year from 2019 to 2020.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630740296-ZZWTB8REN64W24FZ6WSE/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>Bargain hunters take note of the southern and western neighborhoods that tend to have lower pricing per square foot than more prestigious areas.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630741443-YHJ2NY2IMDP8LNQ99MCX/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630742724-QD6N2AILWM4WX0M7DBO9/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
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      <image:title>Blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630745597-NAF7QQZTD8L652RJX8X4/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630746632-TY8WR0QAYYMCC6DEMLTQ/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>Again, in the early days of the pandemic, the market flattened out drastically. As things opened up, listings flooded the market. In August 2020, the number of active listings was almost double that of the previous year. The extremely high inventory of homes for sale, especially of condos, was a major factor in the 2020 San Francisco market.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630747997-P4W7ETXSXERLJ7VYRJ0B/image-asset.jpeg</image:loc>
      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>The pandemic upended our typical pattern of strong spring and fall selling seasons, cratering in the spring of 2020 and peaking late in the year.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - January 2021 Market Report</image:title>
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      <image:title>Blog - January 2021 Market Report</image:title>
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    <image:image>
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      <image:title>Blog - January 2021 Market Report</image:title>
      <image:caption>In a market where overbidding is de rigueur, the pandemic brought prices down, with many sales coming in at or even under original asking price. I think this is a trend we can expect to continue well into 2021, especially for condos, making this potentially a good buyer’s market.</image:caption>
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      <image:title>Blog - Smart Reasons to Refinance</image:title>
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    <lastmod>2022-06-29</lastmod>
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      <image:title>Blog - SOLD! Congrats to AA &amp;amp; AA</image:title>
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      <image:caption>People Using Slow Streets Program by San Francisco Planning Department on Flickr via Creative Commons</image:caption>
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      <image:title>Blog - December 2020 Market Report: A Strange Year Begins Winding Down</image:title>
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      <image:title>Blog - SOLD! Congrats to B&amp;amp;A</image:title>
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      <image:title>Blog - SOLD! Congrats to B&amp;amp;A</image:title>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631125053-0X0O6F7NUUSZTD8PPD5H/304Eureka+DR.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631145474-TJ0O9VWZ8Z2LYXYWFCYN/304Eureka+BR1.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631148242-3V6ITF93ZYAPDYKVWZPE/304Eureka+Vignette3.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631150106-LRDRM76Q3S7WUMAZW97A/304Eureka+2Bath2.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631154811-6MM09LF9LJSXTC97NGZI/304Eureka+BR4.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631156900-0PTIBLGZMGPDWL6L5K0P/304Eureka+Closet.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631161296-NDZPI849G1THKBZIHE6R/304Eureka+Ofc1.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631163953-HA6XNIH93GBAVT014E58/304Eureka+1Bath2.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631165630-BUXPYMNF9S8M3TVADYNU/304Eureka+Ofc2.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631167601-8TIRVWI9I1GUTU5D9J8Y/304Eureka+Kitch3.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
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      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631173692-PMW3Q7EFR7QU6KUH7DPG/304Eureka+Kitch2.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631176053-A0T24W1F030I9DYFBWL7/304Eureka+Kitch4.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631178996-9M2TYQ0DS7OS3O6NUIRY/304Eureka+Laundry.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631182096-ATIU02HZGUXU7HTVAGZU/304Eureka+EatIn1.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631185996-KHSLYG1NYIB4TBR5JYC8/304Eureka+EatIn2.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651631190389-DZ566WBMO0Y0A9RFWR1B/304Eureka+Deck3.jpg</image:loc>
      <image:title>Blog - SOLD! 304 Eureka St</image:title>
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      <image:caption>Q2 2019 median house sales prices hit a new high, almost 5% above the previous high in Q2 2018.</image:caption>
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      <image:caption>After two quarters of zero or negative average appreciation, Q2 2019 values are once again up.</image:caption>
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      <image:caption>Condos also reached new high median prices.</image:caption>
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      <image:caption>Your one-stop shop for all buccaneer necessities: spyglasses, hand-stitched hook hands, and "Scurvy Begone" lemon gummies. Behind the retail space is a nonprofit youth writing lab founded by author Dave Eggers and local educator Ninive Calegari. Purchases at the store support the free writing program.</image:caption>
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    <loc>https://www.prism-re.com/blog/tag/2018</loc>
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    <loc>https://www.prism-re.com/blog/tag/2017</loc>
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    <loc>https://www.prism-re.com/blog/tag/2016</loc>
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    <loc>https://www.prism-re.com/blog/tag/2015</loc>
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    <loc>https://www.prism-re.com/blog/tag/2014</loc>
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    <loc>https://www.prism-re.com/blog/tag/mixed+use</loc>
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    <loc>https://www.prism-re.com/blog/tag/2013</loc>
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    <loc>https://www.prism-re.com/blog/tag/Remodel</loc>
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  </url>
  <url>
    <loc>https://www.prism-re.com/blog/tag/Seller</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.prism-re.com/blog/tag/sfr</loc>
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  </url>
  <url>
    <loc>https://www.prism-re.com/testimonials</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-08-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/fb5a54f5-c932-49db-9e6e-3291a17f60cd/Tim-Erin1.jpg</image:loc>
      <image:title>Testimonials - "Working with dpaul's team was a dream!”</image:title>
      <image:caption>We were lucky enough to work with them twice. First when buying our home, and then again when we had to unexpectedly sell a few years later. We were first-time buyers, and they provided so much insight into the process, especially helping us navigate a purchase in an unincorporated community, so that we knew exactly what we were getting into.⁠ .⁠ When it was time to sell, they helped us navigate the process from 2,000 miles away, and the entire time we knew we were in great hands. They have such a strong network — from stagers, to painters, to mortgage brokers, I can’t stress enough how important it is to work with a great team when buying or selling. They even went the extra mile, helping us find a Realtor® referral in the new state we moved to, and she was fabulous, too! They helped turn an unexpected moment in our lives into a process that was manageable. — Tim &amp; Erin⁠</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3b384b69-7def-4ee2-b01f-d8ec2a54ed4c/Betty-Pazmino.jpg</image:loc>
      <image:title>Testimonials - “Trudi Michael Is My New BFF!”</image:title>
      <image:caption>You know when you cross paths with someone that is meant to be in your life?  Well, I had the good fortune to meet Trudi Michael at an open house in the Bayview in San Francisco on March 19, 2022.  It was here where I felt an immediate sisterhood with this woman that literally embraced me during a time of despair.  I was a lifelong renter in SF and had just learned that my building was going to be sold.  Trudi helped me through many challenges I faced as a first-time home buyer, with a priority to stay in SF as a native of this beautiful city.  Not only did Trudi school me on the real estate market and its pros/cons, but she also supported my learning about what I wanted in a place to call my own.  Thanks to Trudi’s professional guidance, I now find myself still living in the city by the bay in a lovely place that I proudly call my home. — Betty</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3bd70935-2cb8-438c-b0d6-03cfeb616e02/Geoff+%26+Pita.jpeg</image:loc>
      <image:title>Testimonials - "dpaul and Trudi are a fantastic, experienced team.”</image:title>
      <image:caption>They know the market, the city, and took the time to get to know us, too. When things were tense, they were responsive but calm — exactly what we needed. When touring houses they spotted both opportunities, and things to be wary of. They made sure we knew what we were looking at, and never played salesperson or tried to urge us towards hasty decisions. I would definitely recommend them to anybody. In this fast-paced market, having experts on your side is essential. — Geoff &amp; Pita</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a5491920-243c-4436-8a24-8defb28274c2/Al+%26+Morgan.jpeg</image:loc>
      <image:title>Testimonials - “We would highly recommend them!”</image:title>
      <image:caption>As first time buyers, we needed considerable help and support making our first big purchase. dpaul was great in answering all of our beginner questions and had some expert insights about neighborhoods and prices we would never have had on our own. In particular, he stayed flexible and patient as we went on a long search with changing priorities as we got to know more about the market and our own preferences. The result was a great family home in a neighborhood we love that we will get pleasure from for years to come. We would highly recommend them to others taking the plunge in the Bay Area! — Al &amp; Morgan</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/homepage-1</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2023-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8f6f27c4-561d-475f-9b4b-c5cf2e240541/Prism-Group_home.jpg</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/14e079d9-d329-4085-9fb6-4276d7ca86a3/home-buyers.jpg</image:loc>
      <image:title>Home - Buying a Home</image:title>
      <image:caption>There's more to buying a home than simply making an offer. From touring open houses and setting up reliable financing to closing on a dream home, we use our Bay Area know-how and extensive experience to help our clients navigate the entire process with ease. We’re here to make your house-hunting journey a delight — at your own pace.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/35e35ea8-dbf6-4b3b-8133-147c16fd3d5b/sellers.jpg</image:loc>
      <image:title>Home - Selling a Home</image:title>
      <image:caption>From getting a home ready to show and identifying qualified buyers to negotiating the final offer, we go the extra mile when selling your home. As seasoned real estate agents, we use comprehensive market research to help price your home competitively to maximize the sale.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-06-06</lastmod>
  </url>
  <url>
    <loc>https://www.prism-re.com/about-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-01-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3c234dcf-16e7-4a89-9faf-04b7b995de3b/Prism-Group-About-Us.jpg</image:loc>
      <image:title>About Us - About Us</image:title>
      <image:caption>Working in the San Francisco Bay Area, Sacramento Region, and beyond for more than a decade and a half, we've helped dozens of clients with their real estate needs, totaling over $138 million in transactions. We pride ourselves in being a one-stop shop team for both buyers and sellers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d38be664-0679-4423-8bae-5fe1b79bee41/Tim-Erin1.jpg</image:loc>
      <image:title>About Us - Make it stand out</image:title>
      <image:caption>"Working with dpaul's team was a dream!” — Tim &amp; Erin</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/3bd70935-2cb8-438c-b0d6-03cfeb616e02/Geoff+%26+Pita.jpeg</image:loc>
      <image:title>About Us - Make it stand out</image:title>
      <image:caption>"dpaul and Trudi are a fantastic, experienced team.” — Geoff &amp; Pita</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/a5491920-243c-4436-8a24-8defb28274c2/Al+%26+Morgan.jpeg</image:loc>
      <image:title>About Us - Make it stand out</image:title>
      <image:caption>“We would highly recommend them!” — Al &amp; Morgan</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/team</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-04-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651679577895-YNFPKYP8QG3QD7WF6T4S/image-asset.jpeg</image:loc>
      <image:title>Our Team - dpaul brown</image:title>
      <image:caption>For more than three decades, I've lived in the heart of San Francisco, and now I split my time between there and Sacramento. I have a deep passion for both magnificent cities. I enjoy applying my knowledge of each city's culture, history and topography to the current real estate market conditions to find the perfect solution for my clients' desires and needs, whether they're looking for a stylish loft in San Francisco’s Dogpatch or a classic Eichler mid-century modern home in Sacramento’s South Land Park. I came into real estate with a long history building products and services for some of the largest companies in the country. My success in that arena came from careful listening to clients' needs, pairing them with a realistic eye to available conditions, and getting all parties on board with the final solution. Buying and selling homes is no different; it requires team effort, and my experience bringing people together to an optimal solution for all involved is invaluable.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651679578882-7G7BDKLPQHX585G5Y3DF/image-asset.jpeg</image:loc>
      <image:title>Our Team - Trudi Michael</image:title>
      <image:caption>Born and raised in the city, I have first-hand knowledge of every corner of San Francisco’s official 36 neighborhoods — so no matter where you’re looking in the 7x7, I can help you better understand the city’s many nuances. My background as an executive in a range of environments — from a well-established retail corporation to innovative tech startups — has made me an expert in project management, creative solutions and negotiations. Whether you’re a first-time buyer, expanding your real estate portfolio, upsizing or downsizing, I approach every transaction with integrity and attention to detail, and always have your best interest top-of-mind.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651679580052-E1CLY6G2433FQ8SOS8U9/image-asset.jpeg</image:loc>
      <image:title>Our Team - Sean Timberlake</image:title>
      <image:caption>A part of dpaul’s team from the inception, I am the team’s Operations Manager, overseeing marketing, finance, and business operations. I bring over 25 years experience, having been in digital media since 1996, where I covered tech, travel, and food. I’ve had the great pleasure of expressing my passion for San Francisco’s culture and history as a tour guide with San Francisco City Guides, with whom I researched and co-founded the group’s Castro tour with dpaul, and Edible Excursions, where I got to fill minds and bellies with the city’s best morsels. Since moving to San Francisco in 1991, I have never lost my sense of wonder about our amazing city.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/7efbbc2e-9c44-4a9a-ab42-fd0873a2ca24/MICHELE-KNUTSON.jpg</image:loc>
      <image:title>Our Team - Michele dell’Isola</image:title>
      <image:caption>I have worked in the real estate industry for 25+ years and have been licensed since 2000. I have worked in many capacities throughout these years, from office manager, sales agent, and now as a transaction manager since 2013. As the team's transaction manager, it is my responsibility to work with all parties to organize, audit and manage sales transactions for their buyers and sellers. My main goal is to make sure we have a compliant file by close of escrow.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/glossary</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-07-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625016620-QUKDWQLQB8CTF6KQPD6A/image-asset.jpeg</image:loc>
      <image:title>Glossary - Glossary</image:title>
      <image:caption>Real estate has a language all its own. Refer to this glossary to familiarize yourself with the terms that you may encounter on your real estate journey.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/more-testimonials</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/87a6897a-708c-4ecd-8208-3ea9f84e264b/Effie.jpeg</image:loc>
      <image:title>More Testimonials - “I never would have found my home without them.”</image:title>
      <image:caption>“dpaul and Trudi were instrumental in helping me find my San Francisco dream home! Prior to being introduced to them, I was working with another realtor and I wasn't seeing what I wanted or feeling prioritized as a client. As soon as I made the switch to dpaul and Trudi, I saw properties that had all that I was looking for and more. I never would have found my home without them. Not only did I land my home in a great location and at a great price, but I was also able to get everything I was looking for on my wishlist. dpaul and Trudi are knowledgeable about the competitive San Francisco housing market and will help you understand the city's history and neighborhoods. Their listening, empathy, patience, and persistence made all the difference in my home search.” — Efia</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/4f408b18-28fa-459c-9b3c-0f9e6a5e59cc/Dan+S+-+1.jpg</image:loc>
      <image:title>More Testimonials - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/8240ef0a-07b0-4e22-9c1c-85694dea6a40/Carolyn.jpeg</image:loc>
      <image:title>More Testimonials - “We feel so fortunate to have had dpaul and his team help us find the perfect house in San Francisco.”</image:title>
      <image:caption>“To succeed in buying a home in San Francisco, you need someone with experience to help you navigate the market and the neighborhoods. dpaul's experience, insight, and thorough knowledge of home construction and the local market were priceless in helping us make decisions and eventually buy a home in one of the country's most challenging real estate markets. Throughout the negotiations and closing, dpaul quickly handled any issues that may have arisen. If the time ever comes when I will be looking for a new home or know of someone looking for a new home, there isn't any question on who I will reach out to for help.” — Carolyn &amp; Derk</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/financing</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-06-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/88276f34-b55f-48f8-b084-36cba09cbaf0/image-asset.jpg</image:loc>
      <image:title>Financing - Meet Monica</image:title>
      <image:caption>A native of the San Francisco Bay Area, I have been in the industry since 1994. I very much enjoy working with first-time homebuyers by teaching classes on how to purchase their first home, and working with them individually to help them understand the complex loan programs and necessary steps to take in order to get ready to purchase. I also strive to work with and educate realtors individually and via classes which enable them to better prepare their clients during the pre-approval process. Monica DiPerna Branch Manager/Senior Loan Advisor 415.710.0354 monica.diperna@ccm.com ccm.com/Monica-DiPerna Licensed in California, Oregon, Washington, Arizona, and Florida CrossCountry Mortgage, LLC 1385 Shattuck Avenue, Suite B Berkeley, CA 94709 Personal NMLS116494 Branch NMLS2338848 Company NMLS3029</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/resources</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/973dde2b-c0e0-4266-ba19-c1273984ea7a/Buyer+resources.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651630328887-P6JBZ7EN767B3F27OWSK/sellers-resources.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651625059160-3MPXVYOH40RBR6W2LDWI/Clean+offer.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1651632703982-1OEPMQ1WMRW74EMVZGUS/Golden-Gate-Bridge.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/newsletter</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-23</lastmod>
  </url>
  <url>
    <loc>https://www.prism-re.com/buyers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/86f57afe-0cc0-49eb-a220-7b5c22f12b62/unsplash-image-pElSkGRA2NU.jpg</image:loc>
      <image:title>The Buying Process - 1. Financing</image:title>
      <image:caption>As you begin looking for your dream home, the first step is to lock in your financing. Our experienced financing team will tailor a lending solution that works specifically for you. When possible, they will fully underwrite buyers, making their offers as compelling as all-cash.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/823fe355-8c43-4035-bd31-94c68d32d19e/IMG_1867.jpg</image:loc>
      <image:title>The Buying Process - 2. Search</image:title>
      <image:caption>From location and size to architectural style—we’ll work with you to assess your priorities when looking for a home. We have cutting-edge tools that provide the most up-to-date listings at your fingertips. Plus, with Compass Private Exclusive listings, we have access to prime properties before they even hit the market.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/13854ce2-02d2-45d6-aa4d-26196ae4a859/unsplash-image-n95VMLxqM2I.jpg</image:loc>
      <image:title>The Buying Process - 3. The Offer</image:title>
      <image:caption>You’ve found a place you want to call your own, you’ve reviewed the disclosures, and you’re ready to pull the trigger. This next step can get complicated — and here’s where we come in. We take pride in obsessing over every detail to ensure your offer shines through. And, our strong relationships with local real estate agents offer advantages to you that are simply priceless.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/d484143c-ae9f-4159-bb59-62a8201530af/unsplash-image-qbTC7ZwJB64.jpg</image:loc>
      <image:title>The Buying Process - 4. Escrow</image:title>
      <image:caption>After your offer is accepted, an escrow account is opened. You submit a good-faith deposit, or Earnest Money Deposit (EMD), which is 3% of the purchase price. While you’re in escrow, an entire team of people — lenders, title officers, inspectors, appraisers, to name few — are working diligently behind the scenes to help close the deal. When contingencies (if any) are removed, your remaining deposit is submitted, the loan is funded, and you’re clear to close.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/f3451f9c-288e-4a96-8a11-507a8d41028e/unsplash-image-rgJ1J8SDEAY.jpg</image:loc>
      <image:title>The Buying Process - 5. Closing</image:title>
      <image:caption>Once all the paperwork is signed and the deed is recorded, escrow is officially closed — and the home is yours. Congratulations, you did it! You are now a happy homeowner. To make sure your move goes smoothly, follow our checklist.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.prism-re.com/sellers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1657131100653-FQB44LLB3J5IKM7MLFDE/unsplash-image-RLw-UC03Gwc.jpg</image:loc>
      <image:title>The Selling Process - 1. Assessment</image:title>
      <image:caption>The first step is to fully understand your property — such as size, condition and layout — as well as your timeline. Then, we conduct a comprehensive valuation. Finally, we prepare a competitive marketing report, outlining a pricing strategy that reflects the current market.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1657835153701-WQI1RWFVTTPTGV0S3TZS/unsplash-image-EJU7A__krX0.jpg</image:loc>
      <image:title>The Selling Process - 2. Preparation</image:title>
      <image:caption>Properly preparing a home is one of the most critical components to maximize its sale. We will develop a plan to bring your property to market, which can range from a simple coat of paint to something much more substantial. We typically recommend staging because it presents your property in its best light. Concerned about up-front costs? Compass Concierge is the perfect solution.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1657835444084-BDFPQF1NHFAABUPWMMPV/unsplash-image-TRCJ-87Yoh0.jpg</image:loc>
      <image:title>The Selling Process - 3. Showtime</image:title>
      <image:caption>The work has been done, and your property is now ready for its close-up. From high-quality photography and carefully crafted language to brochures, email blasts, social media, and more, our 360° marketing campaign will create a compelling story about your home to appeal to a range of buyers. Now we can schedule and conduct open houses with confidence.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1657836322604-RKP6B7F4KIJXWUTH6N7M/unsplash-image-FHnnjk1Yj7Y.jpg</image:loc>
      <image:title>The Selling Process - 4. Transparency</image:title>
      <image:caption>All the while, we’re pulling together a comprehensive disclosure package, scheduling inspections, and guiding you through the required property documentation. It’s imperative to provide all the material facts to prospective buyers, allowing them to make informed decisions prior to submitting an offer.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1657836560295-6P9PPG0CE3RAHST1DET3/unsplash-image-n95VMLxqM2I.jpg</image:loc>
      <image:title>The Selling Process - 5. Taking offers</image:title>
      <image:caption>Based on the amount of interest in your property, we may schedule a formal offer date or simply take offers as they come. When several are received, we help you understand what makes each offer more or less compelling. You may accept, reject, or counter any offer, which then opens the negotiation process.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1657836900959-36DSFWK58L6O3NWHQL2D/unsplash-image-qbTC7ZwJB64.jpg</image:loc>
      <image:title>The Selling Process - 6. Escrow</image:title>
      <image:caption>Once you’ve accepted an offer, an escrow account is opened. The buyer submits a good-faith deposit, or Earnest Money Deposit (EMD), which is 3% of the purchase price. While in escrow, an entire team — lenders, title officers, inspectors, appraisers, to name few — is working towards closing the deal. Once contingencies are removed, the remaining deposit is submitted, the loan is funded, and you’re clear to close.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6271afe91ac6c407672e42ac/1657837161108-BPADOFQ2DNYPHZVPLXF9/unsplash-image-IRzq8sDxb7w.jpg</image:loc>
      <image:title>The Selling Process - 7. Celebrate</image:title>
      <image:caption>Once the transfer of deed has been recorded and your mortgage as well as outstanding liens, taxes, and fees have been paid, you receive the proceeds. The property officially belongs to the new owner. We hand over the keys, and all that’s left for you is to raise a glass. Congratulations!</image:caption>
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